Atlantic States Group v. Skovron

The opinion of the court was delivered by

SKILLMAN, P.J.A.D.

This appeal involves application of the “initial permission” rule, which governs the scope of coverage of an automobile insurance policy, to a case where the named insured gave permission to use the insured vehicle to another party but the vehicle was subsequently used by a third party without the express or implied permission of either the named insured or the initial permittee.

At a time when his son David’s credit rating prevented him from obtaining financing, defendant Stephen Skovron purchased a *426pickup truck in Ms own name for…