RENDERED: AUGUST 26, 2022; 10:00 A.M.

NOT TO BE PUBLISHED

Commonwealth of Kentucky

Court of Appeals

NO. 2021-CA-0200-MR

BENJAMIN G. DUSING APPELLANT 

v. 

APPEAL FROM KENTON CIRCUIT COURT

HONORABLE GREGORY M. BARTLETT, JUDGE

ACTION NO. 17-CI-01097

METROPOLITAN PROPERTY & 

CASUALTY INSURANCE 

COMPANY APPELLEE 

OPINION

AFFIRMING

**   **  **

BEFORE: CLAYTON, CHIEF JUDGE; CETRULO AND MCNEILL, JUDGES.

MCNEILL, JUDGE: This case involves an insurance dispute in which Appellant, 

Benjamin G. Dusing (Dusing), alleges that a 2016 leased Mercedes was properly 

insured by Appellee, Metropolitan Property & Casualty Insurance Company 

(Metropolitan). Metropolitan disclaims coverage for the vehicle, which was 

destroyed by fire on June 25, 2016. Dusing states that he was driving the vehicle 
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at the time it caught fire. As a result, Dusing filed a complaint for declaratory 

judgment in Kenton Circuit Court on June 21, 2017. The court subsequently 

granted what is styled as Metropolitan’s “Motion for Judgment,” on the basis that 

there was no coverage pursuant to the terms of insurance policy with Metropolitan

(hereafter, the Policy). Dusing appealed to this Court as a matter of right. For the 

following reasons, we affirm the circuit court. 

A motion for summary judgment should be granted “if the pleadings, 

depositions, answers to interrogatories, stipulations, and admissions on file,

together with the affidavits, if any, show that there is no genuine issue as to any 

material fact and that the moving party is entitled to a judgment as a matter of 

law.” CR1 56.03. “Because no factual issues are involved and only a legal issue is 

before the court on the motion for summary judgment, we do not defer to the trial 

court and our review is de novo.” Univ. of Louisville v. Sharp, 416 S.W.3d 313, 

315 (Ky. App. 2013) (citation omitted). With these standards in mind, we turn to 

the applicable law and the facts of the present case. The Policy at issue here 

provides the following relevant terms:

We will pay for loss to your covered automobile or to a 

non-owned automobile, including its equipment, not 

caused by collision, minus any applicable deductible 

shown in the Declarations. Coverage is included for a 

loss caused by but not limited to the following:

1 Kentucky Rules of Civil Procedure.
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. . . .

2. Fire, explosion or earthquake . . . .

The Policy defines “non-owned automobile” as:

1. an automobile or trailer while being used by you or a 

relative, with the owner’s permission, which is not 

owned by, furnished to, or made available for regular 

use to you or any resident in your household.

 . . . . 

2. a commercially rented automobile or trailer used by 

you or a relative on a temporary basis. 

In granting a judgment in favor of Metropolitan, the circuit court 

reasoned as follows:

On March 31, 2016, BGD Law, a law firm owned by 

[Dusing] leased the 2016 Mercedes for a period of five 

years or 60,000 miles. That lease also provided a 24-

month service agreement. The lease also charged BGD 

Law fees for license and registration of the vehicle.

[Dusing] asserts that he is entitled to coverage for the 

loss of the 2016 Mercedes, claiming that that vehicle was 

a “non-owned” vehicle under the policy. In response 

Metropolitan takes the position that the 2016 Mercedes 

could not qualify as a “non-owned” vehicle for several 

reasons. First, the 2016 Mercedes was not provided on a 

temporary basis, but rather was the subject of a 5-year, 

60,000 mile lease, with a 24-month service agreement. 

Second, Metropolitan states that the vehicle was not 

“commercially rented.” Unlike a rental agreement, the 

2016 Mercedes was provided to BGD Law and charged 

license and registration fees which are not standard for 

“commercially rented” vehicles. 
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Having reviewed the evidence in this case and having 

considered the Briefs of the parties, this Court agrees 

with the position taken by Metropolitan that the 2016 

Mercedes was not a “non-owned” vehicle which would 

allow it to be covered by the policy issued in 2015. In 

sum, there is no coverage for the loss to this vehicle 

under the Metropolitan policy. 

It is undisputed that Dusing failed to purchase insurance coverage for the 2016 

Mercedes. Therefore, it is not a “covered vehicle” pursuant to the Policy which, to 

be clear, is Dusing’s personal Policy. We are also inclined to agree with the circuit 

court that a vehicle subject to a five-year lease cannot reasonably be considered as

“non-owned” for purposes of the Policy. Indeed, it strains credulity to consider the 

2016 Mercedes at issue here to be a “commercially rented” vehicle being used on a 

“temporary basis,” merely because it was being leased by Dusing’s law firm. 

Therefore, we do not believe that Dusing had a “reasonable expectation” of 

coverage here. Having considered the record and the law, we affirm the circuit 

court’s summary judgment. 

ALL CONCUR.

BRIEF FOR APPELLANT:

Brian P. O’Connor

Cincinnati, Ohio

BRIEF FOR APPELLEE:

Kenneth E. Dunn

Louisville, Kentucky