Grain Dealers Mutual Insurance v. Pat's Rentals, Inc.

How courts have described this case

Verbatim parenthetical descriptions written by other courts when citing this decision. Ranked by citation-network relevance.

• concluding that the identical automobile exclusion was “clear and unambiguous” and applied to the “negligent operation and use of the motor vehicle of the insured by its employee for general and special damages”
• holding that coverage for negligent operation of motor vehicle by the insured’s employees was “expressly excluded under the motor vehicle exclusion” of the policy and, thus, the insurer had “no duty to defend or to indemnify”
• finding the insurer fixed the limits of its risk by using auto exclusion language; insured knowingly accepted the policy with the unambiguous exclusion and obtained separate auto coverage to cover the excluded risk in the commercial general liability policy
• business automobile policy and CGL policy may cover different risks to avoid overlapping coverage and reduce premiums

Source: CourtListener parenthetical corpus (CC0).