Auto Owners Insurance Company v. Northstar

Auto Owners Insurance Company v. Northstar Summary

1. When two insurance policies cover a boat accident and contain conflicting excess insurance clauses, the determination of primary and secondary coverage is based on the closeness of each coverage to the accident risk. 2. The coverage under a boat owner's general liability policy is closer than the coverage under a boat operator's homeowner policy to the risk of a boat accident under circumstances where (a) the boat owner's policy specifically described the accident-causing instrumentality, (b) the boat owner paid an additional $8 premium for coverage on the boat, and (c) the boat owner's policy contemplated with greater specificity the risk of liability for personal injury.

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