Payne v. Erie Insurance Exchange

David Payne, et ux v. Erie Insurance Exchange, et al. No. 38, September Term, 2014 Automobile Liability Insurance – Omnibus Clause – Second Permittee. An “omnibus clause” in an automobile insurance policy defines the individuals protected by the policy and may extend liability coverage to one who uses the insured vehicle with the permission of an individual who is a named insured in the policy. A person who receives such permission is referred to as a “first permittee.” Coverage can also extend to another driver as a “second permittee” if that driver operates the vehicle within the scope of…