MFA Mutual Insurance v. Harden

Plaintiff, MFA Mutual Insurance Company (hereinafter MFA), brought a declaratory judgment action to determine its liability under an automobile insurance policy. The trial court, sitting without a jury, found in favor of MFA and from this judgment defendants and intervening plaintiff appeal. The sole issue presented is whether the automobile driven by the defendant Starr Harden at the time of the collision was á nonowned automobile within the meaning of the subject insurance policy. If the automobile were a nonowned automobile, coverage exists; if the automobile were not a nonowned…