Globe Indemnity Co. v. Universal Underwriters Insurance

As we point out later in more detail, the insurance carrier’s attempt here to escape liability for the loss accruing from the negligence of a permissive user must fail. The carrier cannot retreat into the restrictions of an asserted special condition because that condition depended for operative effect upon certification, and the policy was never certified. As of the date of the liability here, the provisions of the applicable financial responsibility laws were incorporated into the policy, and the insurance carrier must afford coverage to the full extent of its policy rather than only to the…