Hornick v. Owners Insurance Co.

ANDREASEN, Justice.

Here we must decide if a pedestrian, who was struck and injured by an underinsured negligent motorist, is entitled to underin-sured motorist benefits under her husband’s automobile liability insurance policy. The district court concluded the injured pedestrian was an insured under the policy and entitled to underinsured motorist coverage. We reverse and remand based on a policy exclusion.

I. Background.

On May 4, 1990, Estella Hornick was injured when struck by a vehicle driven by Esther Stephens while she was walking in a parking lot. Stephens was insured under an automobile…