Lobeck v. State Farm Mutual Automobile Insurance Co.

OPINION

PAUL H. ANDERSON, Justice.

' The question we must answer in this case is straightforward: is a provision in an automobile insurance policy valid and enforceable when it excludes coverage for an insured if the insured’s liability to a third party arises while the insured was driving a vehicle without permission? The Hennepin County District Court concluded that such an exclusion was valid and enforceable and granted summary judgment for the insurance company that denied coverage. The Minnesota Court of Appeals reversed, concluding that such an exclusion violates the Minnesota No-Fault…