Penn-America Insurance v. Johnson ex rel. Johnson

Johnson, J.:

Penn-America Insurance Company (Penn-America) appeals the district court’s interpretation of the nonowned auto coverage provision in its garage liability policy. We reverse.

Underlying this action is a tragic accident. Danny LaRose was operating his personally owned tow truck to move his own railroad switch box at a storage facility in Oak Grove, Missouri. The tow truck’s boom failed, and the switch box fell onto Kristi Degraffenried, resulting in her death. LaRose would frequently use his personally owned tow truck to perform work for his employer, Lizard Auto Sales (Lizard) of…