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Richland Knox Mutual Ins. Co. v Kallen

Richland Knox Mutual Ins. Co. v Kallen, 376 F.2d 360 (6th Cir. 1967), determined the applicability of and differences between an auto liability policy and a homeowner’s liability policy and held that the throwing a firecracker from the back seat of an automobile was not an incident involving the use of an automobile as a motor vehicle, that the location of the event was incidental, and as a result, no coverage would be provided by the automobile liability carrier’s policy of insurance.