Farmers Insurance Company v. Stout

Plaintiff insurance company sought a declaratory judgment that it has no duty to defend the estate of its insured, decedent Larson, or to pay damages to defendant Stout (defendant). Defendant seeks review of the judgment granting the declaratory relief. We affirm.

The facts are not in dispute. Decedent lived with defendant in her mobile home from January to May, 1983. He paid half of defendant’s mortgage payments during that time and half of all other living expenses. They kept their finances separate, and each insured his or her own car, both with the same insurer, plaintiff. He rarely drove…