When a plaintiff is injured in a motor vehicle accident, can the motor vehicle exclusion clause prevent recovery?

When the negligent supervision directly leads to the improper use of an automobile, the motor vehicle exclusion clause precludes recovery since the injury is not a result of the negligent supervision, but is a direct result of the use or entrustment of the automobile. The two claims cannot be separated. Fillmore v. Iowa Nat'l. Mut. Ins. Co., 344 N.W.2d 875, 880-81 (Minn.App.1984). A negligent supervision claim and a negligent entrustment claim merge, because under both theories the entrustor's negligence is not actionable in the absence of actual operation of the vehicle by the entrustee. See Bankert v. Threshermen's Mut. Ins. Co., 110 Wis.2d 469, 329 N.W.2d 150, 154 (1983). The

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