Frontier Ford, Inc. v. Carabba

This action was commenced by American States Insurance Company (American), the insurer of Frontier Ford, Inc., a car dealership (Frontier), as a subrogation action in Frontier's name for reimbursement for the loss of an automobile driven by James Carabba while on a test drive. Carabba brought a third party action against his wife's insurer, Farmers Insurance Company (Farmers), and Farmers' agent claiming coverage as a family member under her policy. Farmers and Carabba filed motions for summary judgment. The trial court found Carabba was an insured under American/Frontier's policy, barring a…