Stonehocker v. Gulf Ins. Co.
Annotate this CasePlaintiff was seriously injured while working for Employer. Plaintiff’s injury was caused by the use of her personal vehicle. Plaintiff was able to recover benefits under her auto insurance policy but also sought benefits under Employer’s commercial auto policy. Employer’s insurer (Insurer) denied coverage. Plaintiff brought a claim for coverage, arguing that she was a named insured under Employer’s policy and that she was occupying a temporary substitute for an insured vehicle at the time of her injury. The district court granted summary judgment in favor of Insurer. The Supreme Court (1) affirmed the grant of summary judgment on the issue of whether Plaintiff was a named insured under Employer’s commercial auto policy; but (2) reversed the district court’s order granting Insurer’s motion for summary judgment on the issue of whether Plaintiff’s pickup was a temporary substitute for a covered auto and directed the district court to enter judgment in favor of Plaintiff on her coverage claim, as the evidence was sufficient to establish that Plaintiff’s pickup was a temporary substitute for an insured vehicle, entitling her to judgment on her coverage claim..
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