Do you have automobile liability insurance? You probably do. But do you really understand what is covered under your policy, including issues such as exclusions, policy limits, and the definition of an “insured” under the policy? Unfortunately, it is not always clear whether there is insurance coverage for a particular accident.
In the recent case of Shelter Mutual Insurance Company v. Paragh, the Kentucky Court of Appeals reviewed a decision of the Fayette County Circuit Court in a declaratory judgment action between several parties involved in a car accident and an insurance company that had denied coverage of the crash.