Kvalheim v. Farm Bureau Mutual Insurance Co.

UHLENHOPP, Justice.

Ruth Ann Hiimer and Henry Hiimer owned a Mercury car, which they insured with defendant insurer. The loss involves Mrs. Hiimer; hence she will be treated as the owner of the Mercury and as the insured.

*727Defendant’s policy protects various individuals as to various cars. Since Mrs. Hilmer was a named insured, no problem arises as to protection of the individual involved.

The policy has four parts plus “Additional Conditions.” Each of the four parts deals with a different kind of loss. Part I grants liability protection as to personal injuries and property damages for which Mrs.…