Spangle v. Farmers Insurance Exchange

TURNER, P. J., Dissenting.

I respectfully dissent. The insured had no objectively reasonable expectation of coverage under the garage operations provisions of the policy. The relevant coverage language is found in the portion of the policy entitled, “GARAGE COVERAGE FORM.” The pertinent coverage portion of the policy is entitled, “ ‘GARAGE OPERATIONS’—‘COVERED AUTOS’ ” and states, “We will pay all sums an ‘insured’ must pay as damages because of ‘bodily injury’ or ‘property damage’ to which this insurance applies, caused by an ‘accident’ and resulting from ‘garage operations’ involving the…