Allstate Insurance Co. v. Watts

OPINION

DROWOTA, Justice.

This declaratory judgment litigation was filed by Allstate Insurance Company, Plaintiff-Appellee, to determine whether liability under a homeowner’s policy issued to Dewey and Louise Crafton was negated by an exclusion for injuries arising out of the maintenance of a motor vehicle. The trial court, using the concurrent cause doctrine, held that Allstate was obligated to provide coverage to the policyholders. The Court of Appeals, using the chain of events doctrine, reversed. For the reasons set forth below, we find that the exclusion does not apply and, accordingly,…