Larry Drabot was successful on a declaratory judgment motion in Racine County. The court ruled in favor of his insurance client, finding that there was no coverage afforded under a business auto policy for a vehicle owned and driven by the business owner for a purely personal purpose. While the vehicle was a “scheduled” vehicle on the policy, coverage was afforded only for vehicles owned by the business, vehicles leased by the business, or non-owned vehicles used for a business purpose. The fact that the driver/owner intended to purchase coverage for personal use was irrelevant, as was the fact that he had often used the vehicle for business purposes.
Author: Lawrence J. Drabot
Larry Drabot was successful on a declaratory judgment motion in Racine County. The court ruled in favor of his insurance client, finding that there was no coverage afforded under a business auto policy for a vehicle owned and driven by the business owner for a purely personal purpose. While the vehicle was a “scheduled” vehicle on the policy, coverage was afforded only for vehicles owned by the business, vehicles leased by the business, or non-owned vehicles used for a business purpose. The fact that the driver/owner intended to purchase coverage for personal use was irrelevant, as was the fact that he had often used the vehicle for business purposes.