Dairyland Insurance v. Harcum

By JUDGE JOSEPH E. SPRUILL, JR.

Dairyland Insurance Company filed this declaratory judgment action to determine its liability for coverage and its duty to defend four law actions arising out of a single vehicle accident in Northumberland County.

Dairyland issued to Herman Lee Harcum a family combination automobile policy which provided for liability coverage with respect to the use of a non-owned automobile, provided the actual operation was with the permission or was reasonably believed to be with the permission of the owner and was within the scope of such permission.

The vehicle, a 1982 Ford…