Ulysses Anderson v. Great American Alliance Insurance Company

CHAPPELL, District Judge:

The appellant was involved in a car accident with an intoxicated driver who was driving a company vehicle with his employer’s permission. After a jury found the driver liable and awarded the appellant one million dollars, the employer’s insurance company, the appellee, filed this suit for a declaration that the driver was not a permissive user — and thus not covered under the applicable insurance policies — because he broke internal company policies.

Except where specifically excluded, the general purpose of an insurance policy is to provide coverage. The Georgia…