Truck Insurance Exchange v. Friend

In this insurance-coverage dispute, defendant, Friend, was injured in an automobile accident. At the time, Friend was driving a 1967 Ford Mustang whose registered owner was Tamer Kehkia, the owner and president of TWW, Inc. (TWW), an auto dealer.1 Friend sought underinsured motorist (UIM) benefits from TWW’s insurer, Truck Insurance Exchange (Truck), under TWW’s garage policy. Truck brought this action, seeking a declaration that Friend was not entitled to UIM benefits under TWW’s policy because TWW did not own the Mustang. Friend counterclaimed, seeking a declaration that he was entitled to…