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  5. 558 N.W.2d 176 (1997)
 

GRINNELL MUT. v. STATE FARM MUT.

No. 96-168.

558 N.W.2d 176 (1997)

GRINNELL MUTUAL REINSURANCE COMPANY, Appellant, v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Roger A. Hartman, Mary J. Hartman, Alan Van Houten, Barb Van Houten, and Molly Van Houten, A Minor, Appellees.

Supreme Court of Iowa.

January 22, 1997.

Attorney(s) appearing for the Case

Theodore T. Duffield of Patterson, Lorentzen, Duffield, Timmons, Irish, Becker & Ordway, L.L.P., Des Moines, for appellant.

William Kevin Stoos of Klass, Hanks, Stoos, Stoik, Mugan, Villone & Phillips, L.L.P., Sioux City, for appellees State Farm and Hartman.

A. Eric Neu of Neu, Minnich, Comito & Hall, P.C., Carroll, for appellees Van Houten.

Considered by HARRIS, P.J., and CARTER, LAVORATO, SNELL, and TERNUS, JJ.

LAVORATO, Justice.

In this case, a passenger was injured in a single-vehicle accident. The driver was uninsured. The owners of the vehicle had a policy with uninsured motorist coverage. The passenger was an insured under her parents' policy which also had uninsured motorist coverage. The omnibus uninsured motorist clause under the owners' policy provided that the vehicle had to be used within the scope of the owners' consent. The omnibus uninsured motorist clause...

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