Liberty Mutual Insurance v. Edwards

Gregory, Justice:

Respondents (Insurance Company and Insured) commenced this declaratory judgment action to determine whether liability insurance coverage applied regarding an automobile collision involving Insured’s covered vehicle. The trial judge granted respondents summary judgment on the ground that the driver, appellant Edwards, was not a permissive user and Insurance Company was therefore not bound by its policy to provide coverage. We affirm.

Insured is a car rental agency. It has a liability insurance policy with Insurance Company that includes coverage for anyone using vehicle with…