Bob-Boyd Lincoln Mercury v. Hyatt

The issue presented in this action is whether Hyatt was an insured under “Coverage Part 500” of the Universal policy at the time of the accident. We find in the negative and reverse the judgment of the court of appeals with regard to this issue.

The court of appeals found Hyatt to be covered under Coverage Part 500 of the Universal policy issued to Bob-Boyd. Coverage Part 500 is labelled “Garage Insurance” and provides coverage not only with respect to “Garage Operations” but also with respect to “Auto Hazard.” “Auto Hazard” is defined as:

“* * * [T]he ownership, maintenance or use of any AUTO…