Melvin Kiaaina and Lorelei Kiaaina, Husband and Wife and Nadine Nomura v. Alfred Jackson, and Chung Kuo Insurance Company

Plaintiffs instituted this action against defendants after they were injured in an automobile accident involving an automobile owned by defendant Jackson, insured by Chung Kuo Insurance Co., and operated by Felix Taitague. 1 Relying on a term of the insurance policy issued to Jackson, Chung Kuo denied coverage because Ta-itague was an unlicensed driver at the time of the accident. 2

Defendant Chung Kuo moved for summary judgment based on the provision in defendant Jackson’s policy excluding coverage for unlicensed drivers. The Superior Court of Guam granted the motion. Plaintiffs appealed to…