Whisnant v. Nationwide Mutual Insurance Company

The question posed for decision on this appeal is simply this: Is a single, personal use of an employer’s motor vehicle by an employee, which results in an accident, sufficient cause to exclude the benefits in a Medical Payments provision in an automobile liability insurance policy which excludes a nonowned automobile “furnished for regular use”?

The policy of insurance issued by the defendant included Medical Payments provision which covered the male plaintiff and his relatives, and required the defendant to pay to each such person a maximum of $500.00 in the event of bodily injury “while…