The leading authority in California for the interpretation of automobile use exclusions is State Farm Mut. Auto Ins. Co. v. Partridge. The supreme court found two independent causes of the incident and compelled both the homeowner’s insurance and the automobile insurance policies to apply. In order for Partridge to apply, the modern rule, stated in Daggs v. F oremost Ins. Co.,88 requires that there be two negligent acts or omissions of the insured, one of which, independently of the excluded cause, renders the insured liable for the resulting injuries.
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