Missouri Court of Appeals November 21, 2003, 25440 (Byers v. Auto-Owners Insurance Co.)

NANCY STEFFEN RAHMEYER, Chief Judge.

Patrick A. Duncan (“Duncan”) was killed in an automobile accident in Arkansas. The driver of the other vehicle, Jason Klein (“Klein”), resided in the State of Arkansas as did the insured, Dennis Honl (“Honl”), an employee of Fred C. Stoker & Sons, Inc. (“Stoker”).