Court Opinion

ID: 9682353
Source: CourtListenerOpinion
Date Created: 2023-08-24 08:09:50.029967+00
Date Added: 2024-06-11T18:17:38.859459
License: Public Domain

WELLIVER, Judge,
dissenting.
I respectfully dissent.
The principal opinion creates an ambiguity where none exists. Roger’s brother was an “insured” under the omnibus clause, and as an “insured” he was also an “insured” under the exclusionary clause. See Gabel v. Bird, 422 S.W.2d 341 (Mo.1967); Tickner v. Union Insurance Co., 425 S.W.2d 483 (Mo.App.1968); Simpson v. American Automobile Insurance Co., 327 S.W.2d 519 (Mo.App.1959); Sibothan v. Neubert, 168 S.W.2d 981 (Mo.App.1943). The presence of the severability of interests clause does not alter who is an “insured” under the exclusionary clause. The exclusionary clause made coverages A and B inapplicable to injuries to Roger’s brother (as permittee) or members of his household, just as it would have excluded injuries to Roger had he been a passenger in the car.
I would affirm the judgment.