Bowers v. Estate of Feathers

WIEAND, Judge:

The primary issue in these consolidated appeals is whether Paula Feathers was an insured and is entitled to coverage under a multiple coverage insurance policy issued by Universal Underwriters Insurance Company while driving a vehicle loaned to her by a dealer. Feathers was an insured and is entitled to coverage under the “garage” portion. However, she was not an insured under the “umbrella” portion, of the policy. Under the garage portion of the policy, moreover, Universal’s liability is limited by a valid “most we will pay” clause.

Paula Feathers’ car was in the Kelly Shuster…