Bowsher v. State Farm Fire and Casualty Co.

This is a declaratory proceeding to determine whether an owner of an insured automobile who permits an uninsured person to drive his automobile and who is injured through the negligence ① of such a driver may recover under the “uninsured-automobile” coverage of his own liability insurance policy.

The relevant facts are stipulated. The plaintiff Bowsher had in force, with the defendant insurance company, a standard automobile liability policy in a form approved by the Insurance Commissioner of the State of Oregon. Bowsher was a passenger in his own automobile, which was being driven by one…