American States Insurance v. Farm Bureau Insurance

Hannon, Judge.

Barbara Luikens, Tara Lawson, and Amanda Hill took a car belonging to Amanda’s parents, James and Jonnie Andersen, while the Andersens were not at home. All three girls were under the legal driving age. The girls were subsequently involved in a one-vehicle accident while Tara was driving, and Barbara, who was sitting in the back seat, was injured. This case involves a dispute over which, if either, of two insurance policies issued by two insurance carriers covers Barbara’s claim for injuries, that is, the liability policy covering the vehicle involved issued by Farm Bureau…