McPherson Ex Rel. McPherson v. Michigan Mutual Insurance

Harwell, Chief Justice:

We granted certiorari to review McPherson v. Michigan Mutual Ins. Co., — S.C. —, 412 S.E. (2d) 445 (Ct. App. 1991). The Court of Appeals held that respondent City of Charleston’s (Charleston) general liability insurance policy excluded coverage for injuries received by petitioner Jonathan McPherson (McPherson) when he collided with a Charleston police car. We affirm as modified.

I. FACTS

The relevant facts are fully developed in the opinion issued by the Court of Appeals. Briefly, McPherson sued Charleston and one of its police officers for constitutional violations and…