United States Fidelity & Guaranty Co. v. PBC Productions, Inc.

This declaratory-judgment case presents insurance coverage issues. It arises out of an automobile accident that severely injured Philip J. Wittliff. Wittliff, an employee of PBC Productions, was injured when a van owned by PBC and driven by Howard Larson, also an employee of PBC, collided with a logging truck. All parties concede that Wittliff and Larson were acting in the scope of their employment for PBC at the time of the accident.

PBC has business automobile insurance under a policy issued by United States Fidelity and Guaranty Company. Larson was an "insured" under the policy since he was…