American States Insurance v. Breesnee

Unigard Insurance appeals an order on summary judgment that Lance Breesnee was not covered under either of two garage policies issued by American States Insurance Company to his father and by American Economy Insurance Company to his brother. We affirm.

James Breesnee, Sr., and his son, James Breesnee, Jr., own and operate separate car lots for which they were insured under separate garage policies issued by American States and American Economy insurance companies (insurers) through agent Mike Mitchell. The garage policies covered the insureds for liability (1) arising out of their use of any…