BROWN v. INDIANA INS. CO.

No. 2004-SC-0065-DG, 2004-SC-0067-DG, 2004-SC-0070-DG, 2004-SC-0071-DG.

184 S.W.3d 528 (2005)

Charles K. BROWN, Administrator of the Estate of Jose Garcia; Maria Puente Salanda, Individually; Maria Puente Salanda, as Next Friend of Ruben Villicana Puente; Maria Puente Salanda, as Next Friend of Maria Consuelo Villicana; and Maria Puente Salanda, as Next Friend of Jesus Villicana Puente Appellants, v. INDIANA INSURANCE COMPANY; Darren Akers; Shelby and Finch Garden, LLC, D/B/A Willowbank Garden Company; Matt Zehnder; CSX Transportation; and Wendy O'Banion, as Administratrix of the Estate of Chase O'Banion Appellees. Shelby and Finch Garden, LLC, D/B/A Willowbank Garden Company; Matt Zehnder; and Darren Akers Appellants, v. Indiana Insurance Company; Wendy O'Banion, as Administratrix of the Estate of Chase O'Banion; CSX Transportation; Charles K. Brown, Administrator of the Estate of Jose Garcia; Maria Puente Salanda, Individually; Maria Puente Salanda, as Next Friend of Ruben Villicana Puente; Maria Puente Salanda, as Next Friend of Maria Consuelo Villicana; and Maria Puente Salanda, as Next Friend of Jesus Villicana Puente Appellees. CSX Transportation, Inc. Appellant, v. Indiana Insurance Company Appellee. Wendy O'Banion, as Administratrix of the Estate of Chase O'Banion Appellant, v. Indiana Insurance Company; Charles Brown, Administrator of the Estate of Jose Garcia; Maria Puente Saldana, Individually; Maria Puente Saldana, Next Friend of Ruben Villicana Puente; Maria Puente Saldana, Next Friend of Maria Consuelo Villicana; Maria Puenta Saldana, Next Friend of Jesus Villicana Puente; Shelby & Finch Garden Company D/B/A Willowbank Garden Company; Matthew Zehnder; CSX Transportation; and Darren Akers Appellees.

Supreme Court of Kentucky.

Rehearing Denied March 23, 2006.


Attorney(s) appearing for the Case

C. Lewis Mathis, Jr., Nathan Riggs, Shelbyville, Counsel for Appellants Charles K. Brown, Administrator of the Estate of Jose Garcia; Maria Puente Salanda, Individually; Maria Puente Salanda, as Next Friend of Ruben Villicana Puente; Maria Puente Salanda, as Next Friend of Maria Consuelo Villicana; and Maria Puente Salanda, as Next Friend of Jesus Villicana Puente (2004-SC-0065-DG).

Allan Weiss, Ferreri & Fogle, Louisville, Counsel for Appellee Indiana Insurance Company (2004-SC-0065-DG, 2004-SC-0067-DG, 2004-SC-0070-DG and 2004-SC-0071-DG).

Donald L. Miller, II, Christopher M. Mussler, Frost, Brown, Todd, LLC, Louisville, Counsel for Appellee Darren Akers (2004-SC-0065-DG and 2004-SC-0071-DG).

Mark S. Fenzel, David J. Kellerman, Middleton & Reutlinger, Louisville, C. Gilmore Dutton, III, Shelbyville, Counsel for Appellees Shelby and Finch Garden, LLC, D/B/A Willowbank Garden Company; and Matt Zehnder (2004-SC-0065-DG).

David R. Monohan, J.T. Blaine Lewis, Woodward, Hobson & Fulton, Louisville, Counsel for CSX Transportation (2004-SC-0065-DG, 2004-SC-0067-DG, 2004-SC-0070-DG and 2004-SC-0071-DG).

Glenn Alan Cohen, Paul Joseph Hershberg, Louisville, Counsel for Appellee Wendy O'Banion, as Administratrix of the Estate of Chase O'Banion (2004-SC-0065-DG and 2004-SC-0067-DG).

Glenn Alan Cohen, Carl D. Frederick, Paul Joseph Hershberg, Louisville, Counsel for Appellant Wendy O'Banion, as Administratrix of the Estate of Chase O'Banion (2004-SC-0071-DG).

C. Gilmore Dutton, III, John C. Robinson, Shelbyville, Counsel for Appellants Shelby and Finch Garden, LLC, D/B/A Willowbank Garden Company; Matt Zehnder; and Darren Akers (2004-SC-0067-DG).

Nathan Riggs, Shelbyville, Counsel for Appellee Charles K. Brown, Administrator of the Estate of Jose Garcia (2004-SC-0067-DG).

C. Lewis Mathis, Jr., T. Sherman Riggs, Shelbyville, Counsel for Appellee Charles Brown, Administrator of the Estate of Jose Garcia; Maria Puente Saldana, Individually; Maria Puenta Saldana, Next Friend of Ruben Villicana Puente; Maria Puenta Saldana, Next Friend of Maria Consuelo Villicana; and Maria Puenta Saldana, Next Friend of Jesus Villicana Puente (2004-SC-0071-DG).

C. Gilmore Dutton, III, Benjamin M. Salyers, Shelbyville, Counsel for Appellees Shelby & Finch Garden Company D/B/A Willowbank Garden Company; and Matthew Zehnder (2004-SC-0071-DG).


COOPER, Justice.

The issue presented by this appeal is whether a commercial automobile liability insurance policy affords coverage for damages sought in a tort action brought against the insured employer for the wrongful death of its employee, where the action would have been barred by the exclusive remedy provision of the Kentucky Workers' Compensation Act but for the fact that the employer failed to procure a policy of workers' compensation insurance. We hold that...

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