April Leikert was badly hurt when her husband struck the rear-end of a Ford Expedition with their Harley-Davidson. April was a passenger and was violently thrown from the bike. The couple had purchased a liability policy on the bike through Progressive and an umbrella liability policy on Howard through AutoOwners. Progressive paid over its $250,000.00 in coverage to April, but AutoOwners claimed that its umbrella policy did not apply to injuries to April. It filed a Declaratory Judgment action against the Howards, arguing that it owed no coverage for April's damages.
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