Cardinal v. Leader National Insurance

Leader National Insurance Company appeals from a judgment commanding that it cover, for liability purposes, a permissive user of a vehicle, even though Leader did not insure the vehicle; it insured only the owner under a non-owner insurance policy.

There are three issues in this case. First, does the financial responsibility statute mandate that non-owner insurance be transformed into vehicle insurance? Second, did the SR-22 form sent by Leader to the state change the terms of the non-owner insurance policy to vehicle insurance? Third, does the omnibus statute, mandating coverage for all…