Court of Appeals: Div I – No Insurance Coverage
The Black family was severely injured in a crash with a vehicle driven by Marissa Goodell, a teenager who was allegedly driving a pickup truck in an unsafe manner. Ms. Goodell was killed in the crash.
Tracy Radcliffe was also in the in the truck with Ms. Goodell. The Blacks alleged that Ms. Radcliffe was also at fault in causing the crash. Ms. Radcliffe’s parents had a liability auto insurance policy and Ms. Radcliffe was an “insured” under the policy because she was a family member.
The Blacks claimed that Ms. Radcliffe’s policy provided coverage to them because Ms. Radcliffe was riding in a truck that was insured by another insurance company.
The Court of Appeals rejected this argument, holding that an interpretation of the policy in that manner would mean that Ms. Radcliffe’s insurer would provide coverage for every vehicle in the universe.