Melvin v. American Automobile Insurance

State Farm Mutual Automobile Insurance Company (State Farm), issued an automobiL liability insurance policy to Ed win W. Melvin, with an endorsement known to the trade as “JR-11” covering his son, Alan W. Melvin. The policy contained a “use of other cars” clause, as well as “excess coverage” clause. On March 10, 1957, Alan had an accident while driving an automobile owned by Harry Brotman in which Barry Brotman, Harry’s son, was killed and another passenger, Martin Keenan, was injured. Harry Brotman had an automobile liability insurance policy with American Automobile Insurance Company…