Haynes v. Farmers Insurance Exchange

*1202Opinion

WERDEGAR, J.

The question presented is whether a provision in defendant’s “E-Z Reader Car Policy” of automobile insurance purporting to limit to the legal minimum any coverage for permissive users of an insured vehicle is sufficiently conspicuous, plain and clear to be enforceable. The Court of Appeal concluded it is not. We affirm.

Background

William M. Gallahair purchased an “E-Z Reader Car Policy” (the policy) from defendant Farmers Insurance Exchange (Farmers). The policy is 39 pages long.1 A declarations page, the policy’s first, states that “COVERAGES” are $250,000 per person and…