National Grange Mutual Insurance v. Pinkney

In this case we shall hold that it is not permissible under Maryland law to apply the so-called “liberal” or “hell or high water” rule to the construction of an omnibus clause in a motor vehicle liability policy.

The parties have entered into an agreed statement of facts pursuant to Maryland Rule 828 g. It reflects that petitioner, National Grange Mutual Insurance Company (National Grange), issued an automobile liability insurance policy on June 12, 1975, covering a Ford van. The parties afforded protection by the policy in addition to the named insured included “[a]ny other person while using…