National Farmers Union Property & Casualty Co. v. Universal Underwriters Insurance

MILLER, Chief Justice.

Appellant Universal Underwriters Insurance Company (Universal) appeals the trial court’s decision upholding a “driver restriction” in an automobile insurance policy issued by National Farmers Union Property and Casualty Company (National Farmers). We affirm.

FACTS

The parties stipulated to the facts before the trial court. In Aberdeen, South Dakota, on June 24, 1990, an automobile driven by Kelvin Elsing (Kelvin) collided with an automobile driven by Andrew Merkel and also occupied by Merkel’s wife and daughter. The accident resulted in bodily injuries to the Merkels and…