David A. Dick


This Note discusses the issues presented by the conflicts between Missouri's Motor Vehicle Financial Responsibility Law, a legislative act intended to provide compensation for persons injured in vehicular accidents, and contractual exclusion clauses contained in motor vehicle liability insurance policies. A "household" or "family" exclusion clause, the type of liability insurance contract exclusion at issue in Halpin, typically states that no coverage exists for any obligation an insured may have to a member of the insured's family who is residing in the same household as the insured.' The household exclusion is designed to eliminate coverage when one family member's negligence results in liability to another family member.' Motor vehicle insurance policies typically include other exclusionary clauses also designed to deny coverage in specific situations, such as a household exclusion, an "automobile business" or a business use exclusion,6 a "garage shop" provision, or a named insured exclusion.'

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