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Byline: Michigan Lawyers Weekly Staff
Defendant Debra Bailer, the mother of Robert Bailer, owned an insured vehicle carrying $100,000 primary limits with Farmers Insurance and an umbrella with Farmers Insurance with a limit of $1 million.
The defendant permitted one of Robert's friends to drive her vehicle to take the boys to a paintball game. The driver, Ken Legowsky, lost control of the vehicle in an accident. Robert was thrown from the vehicle and rendered an incomplete quadriplegic.
Farmers Insurance tendered the $100,000 primary limits, but denied coverage under the umbrella policy on the basis that the policy excluded coverage for personal …