01/28/92 Donald E. Halpin V. American Family Mutual

Appellants Donald and Rebecca Halpin contracted with respondent American Family for liability insurance on a motor vehicle owned by the Halpins. On May 12, 1990, their two minor children, appellants Jessica and John Tyler Halpin, were riding in the insured vehicle, with Rebecca driving, when it collided with another car. In response to an inquiry by the attorney representing the children, the insurer stated that it would deny coverage of a claim by the children for injuries caused by Rebecca's negligence on the authority of a contract exclusion reading as follows: