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Insurance – Garage Policy – Watercraft Operation Exclusion – Service & Repair Exception – Test Drive – Co-Worker’s Joy Ride – Tort/Negligence – Wrongful Death (access required)

Auto-Owners Insurance Co. v. Newsome Where the decedent was employed by the insured to clean and detail vehicles, and where he simply went along for the ride when a boat was being test-driven after major repairs, the decedent’s boating-accident injuries did not arise out of his employment.

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