Farm Bureau Mutual Insurance Company v. Evans

During a party, Damon Rose parked his family's station wagon facing a bonfire while it rained; from the back seat, Mike Ehinger, helped by Kathy Rose and Danny Ireland, threw an explosive device out the rear window, which landed in Karen Evans' beer and exploded, badly injuring her. The Evanses sued Kathy Rose, Ehinger, and Ireland; Farm Bureau Mutual (Farm Bureau) (defendant) insured the Rose car and Farmers Insurance (Farmers) (defendant) insured Ehinger's car, both under policies covering injuries from a car's "ownership, maintenance, or use." The trial court held the injury was covered because the car was being reasonably used as a shelter from the rain, and both insurers appealed.