July 21, 2015

The insured is the owner of vacant land, which was rented to another company. This company uses the vacant land as a parking lot for the exclusive use of its employees. An employee accidentally drove his car into a vehicle driven by another employee, causing injuries. The injured person filed a lawsuit including our insured, claiming damages caused by the auto accident.

The insured has a commercial general liability policy and has filed a claim under the CGL form. The insurer denied the claim because it is a car accident. The insured alleges the policy provides coverage for this kind of claim.