(Insured Cannot Rely on Non-owned Vehicle Provision for
Coverage to Save on Policy Premiums)
In Nationwide Mutual Insurance Company v. Shimon, 243
Cal. App. 4th 29 (2015), the Court of Appeal affirmed the grant of
summary judgment for the insurer, determining the automobile
insurance policy did not provide coverage for the insured's
daughter under the non-owned vehicle provision.
This matter arose out of a vehicle collision involving the
teenaged daughter of the named insured, her mother. The
daughter's father, the registered owner of the vehicle, had
excluded her from his insurance policy to save money, even though
the daughter was the only one to ever drive the vehicle. The
mother's policy extended coverage for a household family
member's use of a "non-owned" vehicle, but only where
the vehicle was not "furnished" or "available"
for her "regular use."
