Bidwell v. Shelter Mutual Insurance Co.

Opinion of the Court by

Justice SCOTT.

This case presents the question of whether an automobile insurance policy’s permissive user step-down provision is valid and enforceable. Specifically, we are being asked to determine whether the particular provision at issue is sufficiently conspicuous, plain and clear to satisfy the doctrine of reasonable expectations. The Kenton Circuit Court entered summary judgment in favor of the insurance company, declaring the permissive user step-down provision enforceable. In a split decision, the Court of Appeals affirmed. Because we believe that the policy’s…