07-06-09 ARCANGELO & DENISE CASILLI V. GEORGE SOUSSOU, ET ALS.
A-5205-07T2
We hold that the unambiguous terms of an insurance policy's
exclusion clause denies coverage when use of a family memberowned
vehicle other than the "named insured's" "covered auto"
was involved, except when it was the "named insured's"
themselves who were using the family member-owned vehicle. We
found that excluding coverage for a separately-insured family
member's use of a non-covered auto is not uncommon, is legally
sound, and supported by policy.
Richard Sadowski
Assistant Editor
