Garrison v. State Farm Mutual Automobile Insurance

The opinion of the court was delivered by

Six, J.:

This is a first-impression automobile insurance coverage case arising from a hunting accident. A shotgun accidentally discharged, injuring Tad Garrison, plaintiff, while Kurt Pfannenstiel, defendant, removed it from Garrison’s car. Garrison’s car was insured by State Farm Mutual Automobile Insurance Company (State Farm). Pfannenstiel’s car was insured by Dairyland Insurance Company (Dairyland).

The district court held that the State Farm and Dairyland policies did not provide liability coverage; the Court of Appeals reversed the district court.…