United Services Automobile Ass'n v. Lucas

Cooper, Judge.

Plaintiffs, David and Denise Lucas, filed a lawsuit against R’Keitha Kelsey (“Kelsey”), alleging that their two-year-old daughter suffered injuries as a result of ingesting a toxic substance while in the care of Kelsey. Kelsey, who at the time of the alleged occurrence was at her home taking care of the child, filed a third-party complaint against appellant, United Services Automobile Association (“USAA”), her homeowner’s insurer. USAA denied coverage and filed a motion for summary judgment on the grounds that under the policy, liability was excluded for bodily injury arising…