Bond v. Pennsylvania National Mutual Casualty Insurance

The omnibus clause of an automobile liability insurance policy is at the apex of this dispute. Relevant here, the portion of the policy which includes it, reads:

Persons Insured: Under the Liability and Medical Expense Coverages, the following are insureds:(a) with respect to an owned automobile,(1) the named insured,(2) any other person using such automobile with the permission of the named insured, provided his actual operation or (if he is not operating) his other actual use thereof is within the scope of such permission.

The current case presents issues respecting the scope of the insurance…