Gerhard Schillers was assisting his friend J.L. Loethen in removing a transmission from the bed of the Loethens' truck on the Loethens' property. While Schillers was carrying the transmission down the driveway, he fell and was seriously injured. J.L. was insured under his parents' automobile insurance policy with Shelter Mutual Insurance Company, which insured for liability, including "the loading and unloading" of the vehicle. Is Shelter Mutual liable to Schillers for the injury under its motor vehicle liability policy? Decide. [American Family Mutual Ins. Co. v. Shelter Mutual Ins. Co., 747 S.W.2d 174 (Mo. App.)]