Columbia Insurance v. Aylene Duke

BEAM, Circuit Judge.

Sammy Duke, Linda Ward, and Kelli Troub were injured by a runaway truck that defendant William Baker had been driving. In the present declaratory judgment action, the district court 1 ruled that insurance policies issued by Columbia Insurance Company and Aetna Casualty and Surety Company excluded coverage for this accident. Duke, Ward, and Troub appeal. We affirm.

I. BACKGROUND

William Baker worked at Mark’s Body Shop in Russellville, Arkansas. Baker also occasionally did auto repair out of his own garage at his home in Clarksville, a city some twenty-five miles from…