Preferred Risk Mutual Insurance v. Lewallen

OPINION

FERNANDEZ, Judge.

The question we are asked to decide in this case is whether a vehicle owned by a husband and being temporarily driven by the wife while her own car is inoperable because of mechanical breakdown can be considered a “temporary substitute automobile” under the wife’s liability insurance policy. We hold that it is not and that the policy affords no coverage to the wife in a personal injury action filed against her as a result of an accident that occurred while she was driving her husband’s vehicle.

Suzanne Lewallen was the named insured on a policy issued by appellant…