0304 A policy exclusion for injuries "arising out of the ownership, maintenance, operation, use of any automobile owned or operated by insured" prevents the carrier from being liable unless the injury resulted from two unrelated causes, one of which was independent of "ownership, maintenance, operation or use" of an automobile and would have rendered the insured liable without the other.CitationGURROLA v GREAT SOUTHWEST (Welded Chassis) 17 CA4 65 [See: State Farm v Partridge 10 C3 94; State Farm v Camara 63 CA3 48; Gonzalez v St Paul 60 CA3 675]
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