Lott v. State Farm Fire & Casualty Co.

*165OPINION

DAVIES, Judge.

Insurer challenges summary judgment, arguing that cabin owner’s son is not an “insured” under the policy. We disagree and affirm.

FACTS

On Labor Day weekend in 1990, respondent Carla Lott was vacationing with Scott Roesler at a cabin on Tamarac Lake in Otter Tail County. The cabin was owned by Roes-ler’s mother, his two uncles, and his aunt. Lott broke her ankle when Roesler threw her from the dock into the lake. Lott sued Roesler for negligence and reckless misconduct.

Because he did not have liability coverage through homeowner’s or renter’s insurance-of his own, Roesler…