Integon National Insurance v. Villafranco

STEELMAN, Judge.

Where the plain language of the auto insurance policy provides coverage to the driver of the covered vehicle, the insurance carrier is liable for injuries to passengers for which that driver is legally responsible. Where there is no evidence in the record showing that an additional driver would have increased the premiums for the policy of insurance, there can be no material misrepresentation.

I. Factual and Procedural Background

On 9 April 2011, fourteen-year-old Ramses Vargas (Vargas) lost control of his mother’s 1998 Buick, causing the vehicle to overturn. The vehicle was…