BIDWELL v. SHELTER MUT. INS. CO.

No. 2010-SC-000560-DG.

367 S.W.3d 585 (2012)

Danielle N. BIDWELL, Appellant, v. SHELTER MUTUAL INSURANCE COMPANY, Appellee.

Supreme Court of Kentucky.

June 21, 2012.


Attorney(s) appearing for the Case

Mark G. Arnzen , Beverly Ruth Storm , Frank Kern Tremper , Arnzen, Molloy, & Storm, P.S.C., Covington, KY, D. Keith Johnson , The Johnson Law Firm, Newport, KY, Counsel for Appellant.

Amelia Brown McCormick , James Wendell Taylor , Taylor, Thompson, & Brannon, PLLC, Lexington, KY, Counsel for Appellee.


Opinion of the Court by Justice SCOTT.

This case presents the question of whether an automobile insurance policy's permissive user step-down provision is valid and enforceable. Specifically, we are being asked to determine whether the particular provision at issue is sufficiently conspicuous, plain and clear to satisfy the doctrine of reasonable expectations. The Kenton Circuit Court entered summary judgment in favor of the insurance company, declaring the permissive...

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