Hong Lu v. Automobile Club Inter-Insurance Exchange and Crystal Gunckel

Introduction

Appellant Hong Lu (“Lu”) appeals the trial court’s grant of summary judgment in favor of insurer Automobile Club Inter-Insurance Exchange (“ACHE”) in her action for equitable garnishment. Lu was awarded a judgment against Crystal Gunckel (“Gunckel”) for damages suffered by Lu while Gunckel was driving her boyfriend’s Ford Focus, which the boyfriend had recently purchased from his father. On appeal, Lu contends that the trial court erred in granting summary judgment for ACHE because Gunckel was an insured under the father’s automobile insurance policy. Lu alternatively argues that…