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MUTUAL SERVICE CAS. INS. v. WEST BEND MUT.

Nos. C6-99-551, C8-99-552.

599 N.W.2d 585 (1999)

MUTUAL SERVICE CASUALTY INSURANCE COMPANY, Respondent (C6-99-551), State Farm Mutual Automobile Insurance Company, Respondent (C8-99-552), v. WEST BEND MUTUAL INSURANCE COMPANY, et al., Appellants.

Court of Appeals of Minnesota.

September 21, 1999.

Attorney(s) appearing for the Case

Bradley C. Warner, Jack D. Moore & Associates, St. Paul, for respondent Mutual Service Casualty Insurance Company.

Linc S. Deter, Brett W. Olander, Brett W. Olander & Associates, St. Paul, for respondent State Farm Mutual Automobile Insurance Company.

Gregory J. Johnson, Karen Melling van Vliet, Johnson & van Vliet, L.L.P., St. Paul, for appellants.

Considered and decided by DAVIES, Presiding Judge, WILLIS, Judge, and SHUMAKER, Judge.

OPINION

DAVIES, Judge.

Appellant West Bend Mutual Insurance Company insures Stillwater Motor Company and L.A. Nelson Auto Sales, both auto dealers. West Bend's policy excludes liability coverage for customers involved in accidents while driving the auto dealers' cars if the customers carry their own personal automobile insurance coverage.

Customers of both dealers were involved in accidents while driving dealer-owned vehicles. West Bend denied coverage...

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