He has a personal auto policy and his 20 year old son (Ryan) is listed as an insured driver. His son goes to college and lives off campus in a rental house that he shares with four other roommates. One of the roommates (Paul) has a scooter/moped that he uses to travel back and forth to campus.
One day after getting permission from Paul to use his moped, Ryan lost control and crashed it into one of his other roommate’s (Kyle) pickup truck, which was parked in the driveway. The impact caused significant damage to Kyle’s rear passenger door.
After determining that the scooter/moped had no liability insurance available to cover the damage to the pickup truck, Kyle filed an uninsured motorist property damage claim with his insurance company. (Yes, UM/PD coverage was included in Kyle’s auto policy.)
Here’s the question: Considering the facts of this case, and disregarding any UM/PD issues, would Ryan have any insurance coverage under his father’s Personal Auto Policy (PAP) should Kyle’s insurance company pursue subrogation?