Homeowner’s Policies Do Not Cover Auto Accidents
The appellate courts in Georgia have confirmed that homeowner’s policies clearly do not provide coverage for damages arising from the use of a motor vehicle, regardless of who owned or was operating the vehicle. Although most homeowner’s policies plainly exclude coverage for such damages, plaintiffs in recent months have attempted to argue that the exclusion should only apply when the vehicle belongs to or was being operated by an insured seeking coverage under the homeowner’s policy. The Court of Appeals rejected this argument and the Georgia Supreme Court denied cert on the issue.
In April, the Georgia Court of Appeals ruled that the motor vehicle exclusion in a homeowner’s insurance policy barred coverage for damages arising from the death of a teenager killed in a car after allegedly drinking alcohol at the insured’s house. Sauls v. Allstate Prop. & Cas. Ins. Co., 326 Ga. App. 821, 757 S.E.2d 455 (2014), cert. denied Case No. S14C1093 (Sept. 22, 2014).