American Standard Insurance Co. v. Hargrave

WHITE, Judge.

Respondents, Hargraves, sought payment for injuries sustained by a minor family member in an automobile accident. Appellant, American Standard Insurance Company (American Standard), denied coverage contending its household exclusion clause was fully enforceable against the insured’s relative because a second insurer, State Farm Insurance Company (State Farm), had provided the minimum liability payment required by the Motor Vehicle Financial Responsibility Law (MVFRL). 1 The trial court granted summary judgment against American Standard finding that to the extent that James’…