Allstate Insurance Company v. Wood

Pope, Chief Judge.

This case involves the application of the “second permittee doctrine.” We hold the trial court correctly applied that doctrine to the facts of this case and Allstate Insurance Company is obligated to provide Pamela Wood with liability coverage and a defense to the claims asserted against her in the underlying action by plaintiff Campbell.

On April 1, 1990, plaintiff Campbell was a passenger in a Geo Tracker (the “subject vehicle” or “vehicle”) driven by Pamela Wood. While Wood was driving the vehicle that day, a collision occurred between it and another vehicle, and Campbell…