Berkley Reg’l Specialty Ins. Co. v. Dowling Spray Serv.
Annotate this CaseThis case involved an intersection collision between a crop sprayer and a motorcycle. The driver of the crop sprayer was insured through two insurance policies, and the owner of the crop sprayer was insured through a third policy issued by Farm Bureau Mutual Insurance Company. The injured motorcyclists sought damages for their injuries through the insurance policies of the driver and the owner of the crop sprayer. All three insurance companies sought declaratory judgment that they had no duty to defend or indemnify the driver. The circuit court ruled that Farm Bureau had a duty to defend and indemnify the driver on the claims from the collision. The Supreme Court reversed, holding that the language of the Farm Bureau policy unambiguously provided that no coverage existed for the claims against the driver.
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