Hanover Insurance v. Fasching

This appeal concerns the interpretation of a standard Massachusetts automobile insurance policy. At issue is whether, under a policy providing an insured with compulsory insurance for bodily injury to others, the insurer is required to pay for such injuries caused by its insured’s operation of a vehicle owned by a third party and not specifically listed on the policy.

In 1993, David Ruggiano owned a 1983 GMC pick-up truck that was listed on the standard Massachusetts Automobile Insurance Policy (Sixth Edition) he had purchased from Hanover Insurance Company (Hanover). Ruggiano’s insurance…