Young v. McGraw

| defendant, USAgencies Casualty Insurance Company, Inc. (“USAgencies”), appeals a city court judgment, finding it liable to plaintiff for damages arising out of an automobile accident involving its insured’s vehicle. For the reasons that follow, we reverse.

FACTS

On December 29, 2007, defendant, Vernon Washington, applied with USAgencies for automobile liability insurance on two vehicles, a 1990 Buick Century and a 1985 Oldsmobile Cutlass. USAgencies issued a policy with effective dates of January 1, 2008, through July 2, 2008. During the application process, Washington signed an excluded…