State Farm Mutual Automobile Insurance v. Kelly

This case of first impression concerns the denial of liability insurance coverage to an unlicensed minor who drove his stepfather's automobile without permission. John A. Milanowski's car was struck by a car driven by Joseph M. Kelly, age fifteen. When Milanowski brought suit, the trial court de termined that Kelly was not covered under his stepfather's insurance policy and granted summary judgment to the stepfather's insurer. Because the policy in question contained a provision requiring permission to drive, and because such a provision is authorized by sec. 632.32(5), Stats., we affirm.

The…