Nationwide Mutual Insurance v. Cummings

KELLY, Judge:

In this opinion, we are called upon to determine whether a “non-permissive use” exclusion in an automobile insurance policy contravenes the legislative intent of the Motor Vehicle Financial Responsibility Law, and is against public policy, where the injured party is an uninsured passenger who has no knowledge of the fact he is occupying a stolen vehicle. We hold that the exclusion is valid and in accordance with public policy, and affirm the judgment entered by the trial court.

The pertinent facts and procedural history of this case are as follows. On May 17, 1987, appellant, who…