American Family Mutual Insurance Co. v. Flaharty

PRITCHARD, Judge.

American Family issued its Missouri Basic Car Policy to appellant, Dallas Flaharty, who with his son, Rodney, operated two newspaper delivery routes in Lafayette County. On August 29, 1983, Rodney was driving one of the vehicles on a route when a single vehicle accident occurred, and passenger, Russell Jenkins, was injured. Russell subsequently filed a personal injury action against Rodney and Dallas.

American Family filed a declaratory judgment action seeking a determination that there was no liability coverage under the policy because Russell Jenkins was an employee of…