Plaintiff is an employee and the principal shareholder of a corporation, and defendant is the corporation’s motor vehicle insurer. Plaintiff was injured when an uninsured motorist struck him while he was riding his own bicycle on personal business. He brought this action, seeking damages and a declaration that he is entitled to coverage under the uninsured motorist provisions of the insurance policy issued to the corporation by defendant. The trial court denied plaintiffs motion for summary judgment, allowed defendant’s and entered judgment for defendant. Plaintiff appeals and assigns error to the rulings on the summary judgment motions. 1 We affirm.
The insurance pоlicy defines the term “you,” for purposes of bodily injury coverage under the uninsured motorist provisions, to mean “the person or organization shown as the named insured in * * * the declaration.” The corporation is the only named insured designated in the pоlicy or any schedules. The policy gives the following description of “who is insured”:
“1. You or any family member.
“2. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service becausе of its breakdown, repair, servicing, loss or destruction.
“3. Anyone else occupying an auto you are operating.
“4. Anyone for damages he is entitled to recover because of bоdily injury sustained by another insured.” (Emphasis in original.)
“Family member” means, as relevant, “a person related to you by blood, marriage оr adoption who is a resident of your household.”
Plaintiff argues that the coverage for the named insured and family members, which he refers to as “category one coverage,” is a nullity under this contract if it is read literally. The corporation cаnnot suffer bodily injury and cannot have “family members” as the term is defined. Nevertheless, plaintiff asserts, defendant charged a premium for category one coverage. Therefore, some coverage of that kind *163 must be read into the contract, and plaintiff asks us to conclude that he should be treated, in effect, as a “named insured” and allowed to recover for his injuries sustained in the accident. Hе explains:
“The uninsured motorist coverage provisions of the policy are ambiguous because the language has no apparent meaning. The trial court should have either construed the language against the Defendant in favor of finding coverage or denied summary judgment and allowed Plaintiffs case to proceed to a jury trial.”
We do not agree that there is an ambiguity, or at least one under which plaintiff can conceivably be regarded as a named insured, a family member or anyone else who comes within the category one coverage. Even if, as plaintiff contends, there is no category one coverage if the policy is read to mean what it unambiguously says, that does not create an ambiguity. If, as he alsо argues, defendant has collected premiums for coverage that does not exist, 2 that might provide the corporation with some form of remedy against defendant; it does not mean that plaintiff is covered. For similar reasons, plaintiff is not assistеd by the host of arguments that he derives from rules of construction and policy-based considerations, e.g., every provision in the рolicy must be deemed to mean something and the contractual language should be construed against defendant. There is simрly nothing that can be construed in the way that he wants.
Plaintiff also argues that he is entitled to coverage because defendant did not comply with ORS 742.504(2)(a)(A), 3 which sets out recommended policy language defining “insured”:
“The named insured as stated in the policy and any person designated as named insurеd in the schedule and, while residents of the same household, the spouse of any such named insured and relatives of either; provided, neither such relative nor spouse is the owner of a vehicle not described in the policy; and provided further, if the named insured as stated in the policy is other than an individual or husband and wife *164 who are residents of the same household, the named insured shall be only a person so designated in the schedule; * * (Emphasis supplied.)
Plaintiff understands the emphasized language to mean that, when the named insured is a corporation rather than a natural person, there must also be a natural person designated as an insurеd in the schedule. Plaintiff does not argue, however, that he or anyone else in particular is required to be an insured under that stаtute, but only that some natural person must be. Plaintiff explains:
“[T]he statute cannot be construed as if the legislature intended to рermit a corporate named insured, without naming an individual named insured for category one coverage. This does not require that all shareholders of a corporation be named as the named insured. The statute only requires that some individual bе named, and this can be complied with by offering the insured the ability to name as few or as many individuals as the insured wishes.” (Emphasis supplied.)
Without commenting on the merits of plaintiffs interpretation of the statute, the quoted statement shows why the statute as he interprеts it could not aid him and, for that matter, why none of his arguments can succeed. Even if the policy has all of the defects that plaintiff ascribes to it, he does not show, and we cannot discern, any reason why he should be covered. He acknowledges in thе emphasized language that his status as a shareholder and an employee is not such a reason. What his arguments comе down to is that someone must be covered, and it might as well be he. We could as well hold that the policy covers the members of this court. Nоthing that plaintiff says explains why everyone in the world could not make as strong a claim as his to be the putative missing “insured” under this pоlicy.
Similarly, plaintiff is not assisted by his reliance on cases holding that a policy must be read to provide coverage that the law requires and that coverage that an insurer was required to and failed to offer is deemed to exist. Defendant was nоt required to cover plaintiff or to offer him coverage.
Affirmed.
Notes
He also makes a third assignment that does not warrant discussion.
Dеfendant does not agree with plaintiffs conclusions on the premiums. By accepting the premises of plaintiffs arguments for purposes of discussion, we do not imply agreement or disagreement with any of them.
At the time of the accident, the statute was codified as ORS 743.792(2)(a)(A).