Mealey's (April 24, 2017, 3:08 PM EDT) -- PHILADELPHIA — Where a licensed owner of a vehicle and an unlicensed operator are both liable for an accident caused by the unlicensed operator, the owner’s insurer can’t fully disclaim coverage based on its unlicensed operator exclusion, an injured party claims in his appellant brief filed Feb. 7 in the Third Circuit U.S. Court of Appeals (Richard Duncan v. Omni Insurance Company, No. 16-3834, 3rd Cir.)....