Nationwide Mutual Insurance Company v. Munoz, 199 Cal.App.3d 1076, 245 Cal.Rptr. 324, Web 1988 Cal. App. Lexis 259 (Court of Appeals of California)

50.5 Automobile Insurance Antonio Munoz and Jacinto Segura won some money from two unidentified men in a craps game in a Los Angeles park. When Munoz and Segura left the park in Seguras car, the two men followed them in another car. They chased Seguras car for several miles and then pulled beside it on a freeway. The men in the other car fired several gunshots at Seguras car, killing Munoz. At the time he was killed, Munoz had an automobile insurance policy issued by Nationwide Mutual Insurance Company (Nationwide). A provision in the policy covered damages from an accident arising out of the use of an uninsured vehicle. Munozs widow and child filed a claim with Nationwide to recover for Munozs death.

What is the Rule, Application, and Conclusion?