State Automobile Mutual Insurance Co. v. Todd

MlKELL, Judge.

While driving her friend Ernest Camden’s car, Elizabeth Ann Todd was involved in a collision in Georgia with a car driven by Steve Purvis. Purvis’s passenger, Anthony Bonner, sustained injuries in the wreck, and he sued Todd and Purvis. State Automobile Mutual Insurance Company (“State Auto”), Todd’s automobile insurance carrier, filed a declaratory judgment action against Todd, Bonner, and Purvis, seeking a ruling that it was not obligated to defend Todd because she regularly used Camden’s car, which was not a covered vehicle under the policy. The trial court denied State…