Opinion ID: 2980416
Heading Depth: 2
Heading Rank: 2

Heading: General Conditions

Text: -2- .... 5. Other Insurance- Primary And Excess Insurance Provisions a. This Coverage Form’s Liability Coverage is primary for any covered “auto” while hired or borrowed by you and used exclusively in your business as a “trucker” and pursuant to operating rights granted to you by a public authority. . . . .... c. Except as provided . . . above, this Coverage Form provides primary insurance for any covered “auto” you own and excess insurance for any covered “auto” you don’t own. At the time of the accident, Moon maintained a separate “non-trucking use” policy with Ohio Security providing coverage at times when Moon’s tractor was not being used in the business of any trucking company. This policy contains an endorsement stating in pertinent part: A: The following exclusions are added: This insurance does not apply to: 2. A covered auto . . . when being maintained or used (i) at the direction of, under the control of, under orders from, after being dispatched by, or in the business of any trucking company or lessee of such auto . . . . 3. A covered auto . . . when on a return trip to the place it is customarily garaged, or to a terminal or office of a party to whom it is rented, leased, or loaned, or to the home of the Named Insured, after having delivered goods or merchandise under direction, control, or dispatch to anyone other than the Named Insured under this policy. It is not disputed that Illinois National’s policy provides coverage for Moon’s accident. The sole issue is whether Ohio Security’s policy provides coverage for Moon’s accident, thereby rendering Illinois National’s coverage excess only. -3- B. Throughout the year preceding the accident, Moon customarily parked his tractor and trailer at his home in New Riegel, Ohio. At times, however, he parked his tractor and trailer at the Shell gas station close to his home. O&I paid Moon a flat rate per assignment and Moon usually did not drive for O&I on the weekends. According to Moon’s logbook, on June 15, 2007, O&I dispatched Moon to pick up a load in Marion, Ohio. Moon picked up the load and brought it home. From that point until June 17, 2007, Moon’s logbook states he was off duty. On June 17, 2007, Moon drove the Marion load to Earth City, Missouri, where he delivered the load on June 18, 2007. Moon proceeded to make various deliveries throughout the week without returning home. After each delivery Moon spoke to a dispatcher at O&I. On June 22, 2007, Moon made a delivery in West Virginia then proceeded to pick up another load at Dofasco, Inc. in Marion, Ohio, for delivery in Florida. Moon picked up the load from Dofasco and intended to take it home for the weekend before making the delivery in Florida. However, after Moon loaded his trailer, Dofasco employees discussed whether Moon should leave the loaded trailer at Dofasco so the load would not get rusty by sitting in front of Moon’s house overnight. Moon informed the O&I dispatcher about Dofasco’s concerns and was told to leave the loaded trailer at Dofasco and pick it up Sunday night. Moon then detached his loaded trailer and headed to Upper Sandusky, Ohio to look for a truck wash. After checking a couple of truck stops, Moon was unable to locate the truck wash and began to head home. From the time Moon left Dofasco until the accident, Moon took the same route he would have taken had he traveled directly home without detouring to look for the truck wash—Highway -4- 23 North to Highway 53 North—except for the brief departure and return to his normal route; Moon’s search for the truck wash only took him about a half-mile off Highway 23 North. After his unsuccessful search, Moon returned to Highway 23 North and then exited onto Highway 53 North— his normal route home. At some point along Highway 53 North, Moon collided with a motorcycle. Michael and Janet Reiter, the motorcycle driver and passenger, respectively, were killed. The Reiters’ estate sued Moon and O&I.