Van Erem v. Dairyland Mutual Insurance

At the time of the accident the certificate of title to the Pontiac automobile driven by Gunderson was issued to Mrs. Gunderson. Thus she had legal title. The inference to be drawn from the undisputed testimony is that Gunderson was the equitable owner and that he exercised all the incidents of ownership. However, the defendant company had issued a certificate of insurance to be filed with the commissioner of motor vehicles in order to comply with the Financial Responsibility Law, which certified that it had issued an operator’s policy to Gunderson having the policy limits required by such…