State Farm Mutual Automobile Insurance v. Daprato

STEELE, Justice.

In this case of first impression we are asked to decide whether a “household” exclusion found in a personal liability umbrella policy that includes excess automobile liability coverage is repugnant to Delaware’s Financial Responsibility Laws. Further, we examine whether the trial judge, by granting the claimant summary judgment, misapplied our decision in Nationwide v. Seeman. 1

We hold that the public policy embraced by Delaware’s Financial Responsibility Laws does not invalidate the unambiguous household exclusion found in this claimant’s State Farm personal liability…