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NORTH STAR MUT. INS. CO. v. RAINCLOUD

No. C1-97-100.

563 N.W.2d 270 (1997)

NORTH STAR MUTUAL INSURANCE COMPANY, EMCASCO Insurance Company, Respondents, v. Roxanne RAINCLOUD, Defendant, Martin Raincloud, Sr., Appellant.

Court of Appeals of Minnesota.

Review Denied July 10, 1997.

Attorney(s) appearing for the Case

Marcus J. Christianson, Christianson Stoneberg, Giles & Stroup, P.A., Marshall, for respondent North Star.

William P. Harrie, Nilles, Hansen & Davies, Ltd., Fargo, ND, for respondent EMCASCO.

Gary M. Hazelton, Cann, Haskell, D'Albani, Schueppert, Hazelton & Rodgers, P.A., Bemidji, for appellant.

Considered and decided by TOUSSAINT, C.J., and RANDALL and HOLTAN, JJ.

OPINION

HARVEY A. HOLTAN, Judge.

The district court declared that respondents' homeowner's policies did not provide coverage for a driver's unauthorized operation of an all-terrain vehicle. We affirm.

FACTS

On August 12, 1995, Roxanne Raincloud, her children, Amy and Alicia, and her friend, Brian Holthusen, went to visit Richard and Donna Lian at the Lians's cabin in northern Beltrami County. Roxanne Raincloud and Brian Holthusen were drinking...

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