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CLIFFORD C. KRAGER v. FOREMOST INSURANCE COMPANY AND CHESTER COUNTY MUTUAL INSURANCE COMPANY (09/17/82)

filed: September 17, 1982.

CLIFFORD C. KRAGER
v.
FOREMOST INSURANCE COMPANY AND CHESTER COUNTY MUTUAL INSURANCE COMPANY, APPELLANT. APPEAL OF CHESTER COUNTY MUTUAL INSURANCE COMPANY



No. 2146 Philadelphia, 1980, Appeal from the Order of the Court of Common Pleas, of Susquehanna County, Civil Action, Law, at No. 130 August Term, 1980

COUNSEL

Robert J. Smith, Montrose, on brief for appellant.

Sam W. Lewis, Scranton, on brief for Krager, appellee.

William E. Wyatt, Montrose, for Foremost, appellee.

Wickersham, Popovich and Watkins, JJ. Popovich, J., concurred in the result.

Author: Watkins

[ 304 Pa. Super. Page 391]

This appeal stems from an action for a Declaratory Judgment in Susquehanna County. The action is really two separate law suits with a common plaintiff originating in an accident in which the plaintiff was involved. The defendants are insurance companies authorized to do business in Pennsylvania. The plaintiff, Clifford Krager, was involved in a motor vehicle collision with one Linda Blacheck. Linda and her husband sued Krager who gave each of the insurance companies notice of the action and demanded that they defend the claim. Each denied coverage and this suit was filed to recover the expenses of Krager in defending the action and to determine liability. The court below found coverage against the defendant Chester County Mutual Insurance Company and found no coverage in the case against Foremost Insurance Company.

The facts as agreed are as follows: This action was commenced by plaintiff with a complaint seeking declaratory judgments to which answers were filed by the defendants, Chester County Mutual Insurance Company and Foremost Insurance Company. The defendants were joined in one suit in accordance with P.R.C.P. 2229. The plaintiff then moved for summary judgment.

On about Thursday, August 2, 1979, Clifford Krager was operating a garden tractor owned by his mother, Matilda Krager, on Pennsylvania Legislative Route 57066 in Susquehanna County. Mr. Krager was allegedly involved in an accident with a motorcycle operated by Linda Blacheck. Mrs. Blacheck sustained injuries as a result of this accident.

[ 304 Pa. Super. Page 392]

Mr. and Mrs. Blacheck sued the plaintiff herein, who gave each of the defendant insurance companies notice of the action and demanded a defense of the claim. Both companies denied coverage relying upon the language of their respective policies.

The defendant Foremost had issued a mobile homeowner's liability insurance policy to the plaintiff Clifford Krager, but denies coverage on the ground that the operation of the garden tractor at the time of the accident was not incidental to the maintenance of his own mobile home premises in Broome County, New York. The defendant Chester County Mutual Insurance Company had issued a homeowner's liability insurance policy to the plaintiff's mother, Matilda Krager, but denies coverage on the ground that the plaintiff is not a "resident" of his mother's household and, therefore, does not come within the definition of an "insured" under the language of the policy.

The plaintiff, Clifford Krager, an adult, 54 years of age, owns a mobile home in Castle Creek, Broome County, New York, where he lives at least six months of the year. He holds a New York State operator's license entitling him to operate a motor vehicle. He is a registered voter of the State of New York and exercises his voting rights as a New York State resident. Krager lives at his New York mobile home from November to April each year, and from April to November with his mother at her summer home in ...


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