Allstate Insurance v. Powers

OPINION

VOSS, Judge.

This appeal arises from a declaratory judgment action in which the trial court granted summary judgment in favor of appellee Allstate Insurance Company (Allstate). Appellants Lawrence E. Powers and Judith A Powers (Powers) assert that the trial court erred in finding that coverage under the homeowner’s policy was excluded by the policy’s “loading or unloading” exclusion. Because we conclude that a causal connection exists even when the negligent loading and the injury do not occur simultaneously, we affirm.

FACTS AND PROCEDURAL HISTORY

On October 10, 1992, Michael Powers…