Barbara Milazzo v. Sentry Insurance, a Mutual Company

Plaintiff-appellant Barbara Milazzo was severely injured when the automobile in which she was a passenger was involved in an accident. The driver of the car was killed. Milazzo claimed that she was covered under the deceased driver’s automobile liability insurance policy, issued by defendant-appellee Sentry Insurance. Milazzo attempted to settle her claim with Sentry for the policy limit of $5,000. Sentry refused to settle on the ground that Milazzo as a “guest occupant” was excluded from coverage under the policy.

Milazzo then brought suit against the deceased driver’s estate. Sentry…