Neil v. Allstate Insurance

The issue in this appeal is whether the “family exclusion” clause in appellants’ homeowners’ insurance policy is valid with the result that appellants will be without insurance coverage for the jury-determined liability of appellant/mother for injuries sustained by her minor son.

Appellants’ son, Adam Neil, was permanently injured when he was struck near his home by an automobile driven by Conrad Guenzel. Appellants brought a civil action against Guenzel for Adam’s injuries, and Guenzel subsequently joined appellants as additional defendants on the grounds of negligent supervision of Adam.…