Employers Liability Assurance Corp. v. Roux

The issue to be decided is essentially whether the Financial Responsibility Act (R. L., c. 122, as amended) extends the coverage of a “Named Operator Policy” to include a vehicle owned by the policyholder contrary to an express exclusion in the terms of the policy.

To comply with the Act (s. 1 VII) a policy of liability insurance must provide: “(a) indemnity for or protection to the insured and any person responsible to him for the operation of the insured’s motor vehicle . . . against loss by reason of the liability to pay damages to others . . . accidentally sustained . . . arising out of…