Don’t Forget to Take a Break When ‘Lyfting’!

Duato defines what it means for a motor vehicle that is not covered under a personal policy of insurance to be available for the regular use of an otherwise insured driver. The Court of Appeals considered a driver’s uninterrupted use of the non-covered auto, the length of time the vehicle was at a driver’s disposal, as well as the purpose for the use of the vehicle. When analyzing the contractual language of a policy, the plain and ordinary meaning of each word and how it is used is given weight to its interpretation.