Tennessee Farmers Mutual Insurance Co. v. American Mutual Liability Insurance Co.

OPINION

KOCH, Judge.

This appeal involves three insurance companies’ obligations to provide coverage for a driver involved in an accident while driving a loaned automobile. After the insuror of the driver’s employer denied coverage, the driver’s insuror and the insuror that issued the automobile owner’s garage policy filed suit in the Circuit Court for Wilson County seeking a declaratory judgment concerning their respective obligations. The trial court, sitting without a jury, found that the driver was acting within the scope of his employment when the accident occurred and that the employer’s…