State Farm Mutual Automobile Insurance v. Snappy Car Rental, Inc.

Plaintiff appeals from a declaratory judgment entered in favor of defendant. We affirm.

This case arises from a car accident on September 25, 1988, involving a 1988 Ford Taurus owned by defendant and rented to Monique Davis. Ms. Davis was driving the car when she was involved in an accident with Harvey and Anna Gilmore, who then sued Ms. Davis.

Defendant was self-insured with respect to the automobile. Defendant’s rental agreement provided the renter with the option of paying an additional amount for insurance coverage by defendant or, in the alternative, to agree that the car was not covered…