Bowen v. Skillman

VICTORY, Judge.

Plaintiff, Ann Bowen, and an intervening insurer, Aetna Casualty, appeal a trial *1201court ruling which granted defendant, State Farm Fire and Casualty Company, summary judgment in this tort suit, holding its homeowner’s insurance policy issued to defendant, Ben Skillman, excluded coverage for an accident in which Bowen was kicked in the knee by Skillman’s racing horse. We reverse and remand.

FACTS

In 1989, Skillman owned an interest in a racing horse named Wafflier. On August 24, 1989, Wafflier was seen by Equine Medicine and Surgery, a group of veterinarians who employed Bowen as…