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Lewis v. State Farm Mut. Auto. Ins. Co.

The plaintiff's insurance policy on his van did not cover the injuries his daughter sustained while driving his other vehicle.

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Willie and Calandra Lewis, father and daughter, appeal from the trial court’s grant of summary judgment to State Farm Insurance Company on their claim for medical expenses after Calandra was injured in a car accident. For the reasons which follow, we affirm.

The facts in this case are not in dispute. Calandra Lewis was injured in an automobile accident while driving a Honda Civic owned by her father Willie Lewis and insured by Metropolitan Insurance Company. Metropolitan paid $1,000 in medical expenses, which was the policy limit. The Lewises then made a claim on State Farm for the excess medical expenses. But, the State Farm policy did not insure the Honda Civic, it insured a Chevrolet van also owned by Willie Lewis. The trial court granted State Farm’s motion for summary judgment, concluding that the insurance policy with State Farm, on its face, did not provide coverage for Calandra Lewis’s medical expenses for injuries incurred while driving the Honda Civic. This appeal followed.

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