Morris v. State Farm Mutual Automobile Insurance

1. In addition to the policy provisions contained in the statement of facts, the policy also provided: “Definition of Insured. With respect to the insurance for bodily injury liability, for property damage liability and for medical 'payments the unqualified word 'insured’ includes the named insured and also includes any person while using the automobile and any person or organization legally responsible for the use thereof, provided the actual use of the automobile is by the named insured or with his permission.” The first question to be decided is, whether the exception stated in the policy…