Spangle v. Farmers Insurance Exchange

Opinion

MOSK, J.

INTRODUCTION

Anthony McCarty purchased a used Chevrolet Blazer for his 16-year-old son, Kevin,1 from Triple Crown Auto Sales, Inc. (Triple Crown). Approximately one week later, Kevin was driving the Blazer when he collided with and seriously injured plaintiff and appellant Pamela Spangle (plaintiff). Plaintiff obtained a judgment against Kevin far in excess of the insurance covering him. Plaintiff now seeks to recover against a “garage operations” liability policy issued to Triple Crown by defendant and respondent Mid-Century Insurance Company (Mid-Century).2 Plaintiff’s theory…