A North Carolina appellate court reversed a decision where an insurer was ordered to provide coverage in the face of a policy exclusion. The case is Ortez v. Penn National Sec. Ins. Co., 2024 N.C. App. LEXIS 1017 (N.C. Ct. App. 2024).

What Happened

Luis Ortez was driving an auto owned by his employer, Kitchen and Lighting Designs Inc, and his co-worker, Darren Estes, was riding along as a passenger. Ortez became distracted while driving and crashed the car, resulting in Estes’s death.

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