Behr v. American Family Mutual Insurance Co.

OPINION

G. BARRY ANDERSON, Judge.

Respondent Stuart Behr was injured in a car accident caused by Mark Bates and together with his wife Roxanne made claims against Bates. Bates’s personal automobile liability insurer paid respondents $100,000 because Bates was the at-fault driver in the accident. Respondents also negotiated a second settlement with Bates’s employer’s insurer, United States Fidelity <& Guaranty Company (USF & G), for approximately $400,000. Although USF & G denied that its $1 million business-automobile liability policy insured Bates’s automobile because Bates’s employer did not…