Base FICO Scores have a 300-850 score range — the higher the score, the lower the risk. (Photo: iStock)
The Superior Court of New Jersey has reversed the decision of the trial court and decided that an auto policy does not provide coverage for third-party injuries that stemmed from the use of a golf cart owned by the insured.
|The case
United Services Auto Association (USAA) insured Joseph Tolotti's pick-up truck under a USAA standard auto policy. Tolotti also owned a golf cart which was not identified on the policy as a covered vehicle. A third party alleged that on March 17, 2016, he suffered injuries when he was thrown from the golf cart and injured. The third-party claimed the injuries were proximately caused by Tolotti's negligent operation of the golf cart.
The golf cart was not identified as a covered vehicle under the policy, and Tolotti never asked USAA to add the golf cart as a covered vehicle. Tolotti sought defense and indemnification from USAA, which denied coverage. Tolotti filed suit, and the trial court found in his favor, finding that the policy provided coverage. USAA appealed.
|The appeal
The Superior Court of New Jersey overturned the lower court's decision.
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