Mahoney v. American Automobile Insurance

Does an insured have a right to indemnification under her parents’ automobile liability policy for her negligent entrustment of a rental vehicle to an unauthorized operator who causes a collision? The majority says “no” because Part 5 of the policy, entitled “Optional Bodily Injury to Others” (Part 5), requires that the particular operation of the vehicle must be “with the consent of the owner.” However, use with the “permission of the owner,” a phrase appearing in Part 1 of the policy governing compulsory insurance for bodily injury to others, has been interpreted consistently to require no…