Homeowner liability coverages contain exclusions relating to the ownership, operation or use of automobiles. Most people understand that losses, especially liability losses, caused from the collision of two automobiles are usually insured on automobile policies.

In Cella V McLean the court thought differently. In this Ontario case the defendant allowed an intoxicated person to drive their vehicle in which the defendant was a passenger. The drunk driver collided with the plaintiff causing injury to the plaintiff. The court ruled that the homeowner's policy the defendant purchased must respond to the loss. The judge reasoned the loss arose from consuming alcohol and not the use or operation of the vehicle. This meant the exclusion on the defendant's homeowners form did not apply.