Hudnell v. Allstate Insurance

OPINION

TOCI, Judge.

Allstate Insurance Company (“Allstate”) appeals from the trial court decision holding it liable as garnishee for a judgment in favor of Francis Hudnell against Michael Drobitsky, an insured under an Allstate homeowner’s policy. The $111,000 net judgment arose from an accident that occurred when Drobitsky, test driving his all-purpose dirt bike after having made repairs on it in his driveway, collided with Hudnell on an unpaved, public street a short distance from Drobitsky’s home.

Although the Drobitsky policy excluded coverage for bodily injury arising from the use of a…