Beacon Insurance Co. of America v. State Farm Mutual Insurance Co.

COMBS, Justice.

We granted review of the Court of Appeals opinion which reversed a summary judgment of the Kenton Circuit Court. The issue to be determined is the validity of a provision of an insurance policy purporting to exclude a named driver.

On October 1,1984, Mitchell and Barbara Barger obtained an insurance policy from appellants. This policy, signed by both parties, was standard with one exception: it carried an endorsement entitled “named driver exclusion,” meant specifically to exclude from coverage Ricky Barger, the son of Mitchell and Barbara.

On October 20, 1984, while driving his…