Columbia Mutual Insurance v. Estate of Baker

Sam Bird, Judge.

Allen Baker was employed by Kenneth Madlock, doing business as Madlock Auto Glass & Body Shop (Madlock). On May 3, 1994, Baker, while in the course and scope of his employment, was operating a car owned by a Madlock customer when he was struck and killed by an automobile being driven in a negligent manner by Matthew Soto. The vehicle driven by Soto was not covered by a liability insurance policy. Madlock had a Garage Owner’s Liability Policy issued by appellant, Columbia Mutual Insurance Company, that was in full force and effect at the time of Baker’s accident. The appellee…