Founders Insurance v. Contreras

This appeal arises out of an automobile collision between vehicles driven by defendants-appellants Joel Contreras, Jr., and Sung Kuk. The sole issue on appeal is whether the “initial permission” rule applies under the facts in this case, thereby entitling Joel Contreras, Jr. (hereinafter Contreras Jr.), to automobile liability coverage.

The “initial permission” rule provides that once the owner or named insured of an automobile liability insurance policy containing an omnibus clause 1 gives another individual permission to use the vehicle (the initial permittee), any person subsequently given…