State Farm Mutual Automobile Insurance v. Partridge

Opinion

TOBRINER, J.

The instant case presents a somewhat novel question of insurance coverage: when two negligent acts of an insured—one auto-related and the other non-auto-related—constitute concurrent causes of an accident, is the insured covered under both his homeowner’s policy and his automobile liability policy, or is coverage limited to the automobile policy? State Farm Insurance Company (State Farm), the insurer which issued both policies at issue in this case,1 brought this declaratory judgment *97action requesting a determination-as to which one, or both, of its policies afforded…