Auto-Owners Insurance v. Stubban

Defendants Lori Stubban and Shannon Ufer appeal from the trial court’s order granting plaintiff Auto-Owners Insurance Company’s (Auto-Owners) motion for summary judgment. Auto-Owners had filed an action seeking a declaratory judgment that it had no duty to defend its insured, Loren Dale, in a personal-injury action filed by Stubban and Ufer. Auto-Owners contested coverage because Dale owned the vehicle involved in the accident — a condition which, if true, eliminates Auto-Owners’ duty to provide coverage pursuant to the terms of the insurance policy. We affirm.

I. BACKGROUND

On September 2,…