Farmers Automobile Insurance v. Universal Underwriters Insurance

Plaintiff Farmers Automobile Insurance Association (Farmers) appeals from an order of the trial court granting defendant Universal Underwriters Insurance Company’s (Universal) motion to dismiss, holding that Universal did not owe collision coverage to Farmers’ three insureds. In the instant appeal, Farmers asks us to determine whether the dealer’s insurer, Universal, is required to indemnify the drivers for collision damages to dealer-owned automobiles. The trial court found no such requirement, and we affirm.

BACKGROUND

Plaintiff Farmers’ three insureds, driving auto dealer vehicles with…