American Economy Insurance Co. v. Otte

REINHARD, Judge.

Plaintiff sought a declaratory judgment to determine whether its garage liability insurance policy, issued to David Otte, afforded coverage for an accident which occurred while Charles Otte was driving David Otte’s dune buggy. The trial court declared the policy provided no coverage for the accident. Charles Otte appeals. We affirm.

*180David Otte was the sole owner and proprietor of “Dave’s Radiator Repair Shop” in St. Marys, Missouri. The business consisted of radiator repair, minor engine repair, welding, and farm tractor repair. In early 1989, he bought, for $200.00, a dune…