Parents Hurt While Vacationing With Son Are Covered Under His Car Insurance

Drover v. Smith, 2014 NLCA 31

In the spring of 2006, Wade Drover and his wife Kerri went on a family vacation to Florida bringing their four children and Wade's parents Clement and Eileen. Drover had offered to pay for the flight, lodging, and all other expenses for his parents during the trip, so they could assist with the children during the vacation.

Drover rented a mini-van from the airport. Shortly after the family left the airport, Florida resident Michael Smith rear-ended the mini-van. All members of the Drover family were hurt in the crash.

Mr. Smith admitted liability for the crash and his insurer paid out the policy limits under Mr. Smith's insurance contract to the Drover family. However, this did not pay for all of the Drover family's claims.