Hartford Fire Insurance v. Davis

In this appeal involving automobile insurance coverage, we must determine whether the trial court erred in ruling that William Patrick Holman was a permissive user of Lossie Bell Kinsey’s motor vehicle at the time it was damaged in an automobile accident.

Kinsey’s vehicle was covered under an automobile insurance policy issued by the Hartford Fire Insurance Company (Hartford). The policy defines “persons insured” as, among others, “any . . . person using such automobile with the permission of the named insured, provided his actual use thereof is within the scope of such permission.” After the…