The Defendant was backing his truck from his driveway onto a public highway at the time of the accident. At the same time, Plaintiff was lawfully operating a motorcycle along the public highway. The two vehicles collided and Plaintiff was seriously injured. Plaintiff alleged that Defendant’s vision was obscured by vegetation on Defendant’s property that prevented him from seeing Plaintiff on his motorcycle. Defendant asked his homeowner’s insurance carrier to provide him with a defense and coverage. The homeowner’s insurance company refused and asked the Trial Court to deny coverage and a defense to the Defendant. (By the way, there was a motor vehicle liability policy available to the Defendant.)