State Automobile Mutual Insurance Co. v. Ellis

WHITE, Judge.

On September 9, 1981, fourteen-year-old Andrea Ellis took her father’s pickup truck without his permission or consent and drove onto U.S. Highway 127 in Franklin County. There a collision occurred involving Andrea, Scotty Warford and Victoria Tate. Warford and Tate sued Andrea and her father John Ellis for property damage and medical expenses. John Ellis’s insurer, appellant State Automobile Mutual Insurance Company, denied insurance coverage because of an exclusion stating that the policy did not provide coverage for any person “[u]sing a vehicle without a reasonable belief that…