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AMERICAN NAT. FIRE INS. v. FARMERS INS. EXCHANGE

No. 950076.

927 P.2d 186 (1996)

AMERICAN NATIONAL FIRE INSURANCE CO. and Dan Marsters, Plaintiffs and Appellee, v. FARMERS INSURANCE EXCHANGE, Defendant and Appellant.

Supreme Court of Utah.

November 19, 1996.

Attorney(s) appearing for the Case

N. Brett Jones, Salt Lake City, for National.

G. Steven Sullivan, Salt Lake City, for Marsters.

John M. Chipman, J. Benjamin Tyler, Salt Lake City, for Farmers.

HOWE, Justice:

Farmers Insurance Exchange (Farmers) appeals from the trial court's declaratory judgment in favor of American National Fire Insurance Company (National), ruling that Utah law applies to invalidate a step-down provision limiting insurance coverage in an Idaho automobile liability insurance policy.

FACTS

Early in 1994, an automobile driven by National's insured Robert Root and owned by Farmers' insured Bernice Larson, both Idaho residents...

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