Killian v. State Farm Fire & Casualty Co.

SPINDEN, Judge.

Nine-year-old Rebecca Caldwell was riding a neighbor’s moped when she crashed into a parked vehicle and was seriously injured. She and her parents, Terry and Gwen Killi-an, sued the insurers of the neighbor’s house and automobiles, State Farm Fire & Casualty Company and State Farm Mutual Automobile Insurance Company, for payment for the girl’s injuries. State Farm 1 contends that use of a moped was not covered by either its homeowner’s or automobile insurance policies. The trial court agreed, and we affirm.

Caldwell decided to ride the moped on September 5, 1988, while attending…