State Farm Mutual Automobile Insurance v. Lucas

Two identical insurance policies.

Two different automobiles.

Both owned by Lucas.

But neither one was the vehicle Lucas was driving when the fatal accident occurred.

Quaere. Was he (it) covered?

On October 18,1974, Lucas collided with a vehicle driven by Roger M. Ruch which resulted in Ruch’s death. The vehicle in which Lucas was riding was also involved in a collision with a second automobile driven by Goins. The vehicle Lucas was driving at the time of the accident was neither of the two specific automobiles covered by the two policies — it was a 1949 Ford pickup truck. The automobiles covered…