Hubbs v. Government Employees Insurance

Ness, Chief Justice:

This is a declaratory judgment action concerning coverage provided by a boat-owner’s insurance policy. We affirm in part and remand.

Appellant Graddie Hubbs owned a boat which was insured by respondent Government Employees Insurance Company (GEICO). Graddie entrusted the boat to his son, appellant, Ricky Hubbs, and another son Larry, for the teenagers to use while water skiing with several other people. During the time the boat was being used for water skiing, appellant Wayne Vestal, Jr., fell from the boat and was injured by the propeller.

Wayne, Jr. and his father,…