California Cas. Indem. Exch. v. Hoskin

California Cas. Indem. Exch. v. Hoskin (1978) 82 Cal.App.3d 789, involved a declaratory relief action brought by an insurer for a declaration that defendant was not afforded liability coverage or uninsured motorist protection under her automobile insurance policy with plaintiff with respect to an accident that occurred while plaintiff was a passenger in her insured automobile being driven by her son with her consent. Defendant had filed an action against her son and the driver of the other vehicle for damages arising out of the accident. The trial court determined that the liability section of the insurance policy, which excluded liability for bodily injury to the named insured, did not provide coverage for defendant's claims against her son. The Court of Appeal affirming a judgment in favor of plaintiff insurance carrier stated at pages 792-793: "The policy of the State of California with regard to exclusion of the named insured or members of his family is clear and unequivocal ."