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Rhiker V Fire Case Summary

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Coverage: Appears to be proper. Insured has no PUP. Only an active Homeowners and Auto. Loss occurred on named insured property and the named insured is the responsible party. The lawn mower is under the 40hp exclusion, mower is 14hp. Facts: Vicki Doyle was watching her grandchildren Laya and Lucas Doyle for the day at her home. Vicki decided to get the fire pit going later that day, in order to do so she would need to mow the grass around the fire pit. Vicki brought the riding lawn mower (14hp) out the garage and began to cut the grass. Lucas was on the deck watching the insd cut the grass. Lucas then made his way off the deck and approached the riding mower his grandmother was operating. As Lucas approached, Vicki began reversing the

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