Liberty Mutual Fire Insurance v. McKenzie

Opinion

VOGEL (C. S.), P. J.

Introduction

The primary issue raised on this appeal is one of insurance coverage. Liberty Mutual Fire Insurance Company (Liberty) issued two policies to Michael McKenzie (McKenzie). Each required that the insured own the covered vehicle. Neither policy defined “owned.” McKenzie submitted claims on each policy based upon the theft of his truck. It is undisputed that the stolen vehicle was designated as the insured vehicle and that McKenzie had paid the policies’ premiums. It is also undisputed that Liberty subsequently learned that a month before the theft, McKenzie…