United States Fidelity & Guaranty Co. v. Hicks

This is a declaratory judgment action brought by plaintiff, the United States Fidelity & Guaranty Company (“USF&G”), against Victoria Hicks, a young woman who was seriously and permanently injured in an automobile accident. USF&G seeks a declaration that its general liability policy provides no coverage for the owner of the vehicle that, a factfinder could find, caused the accident. The question dividing plaintiff and defendant is whether the vehicle that allegedly caused the accident was “mobile equipment” covered by the policy or was an “auto” for which coverage was excluded.

The action came…