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The Appellate Court of Connecticut affirmed a verdict that found an insurer did not have to defend or indemnify an insured based on the motor vehicle exclusion in the insured’s homeowners policy. The case is Liberty Ins. Corp. v. Johnson, 2023 Conn. App. LEXIS 279 (Conn. App. Ct. 2023). 

The underlying case alleged that Theodore and Kim Johnson (Johnsons) had negligently allowed their minor son, Aaron, to consume alcohol at home after he arrived visibly intoxicated, then permitted him to drive Theodore’s car (the vehicle). Jordan Torres was a passenger in the car and suffered severe injuries when Aaron lost control of the vehicle and hit a telephone pole. 

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