Shelter Mutual Insurance Co. v. Mid-Century Insurance Co.

I. Introduction

We granted certiorari to review the court of appeals' decision in Shelter Mutual Insurance Co. v. Mid-Century Insurance Co., 214 P.3d 489 (Colo.App.2008). At issue in this case is how two insurance companies must share losses arising from an automobile accident. The owner of one of the automobiles involved in the accident insured his vehicle through Shelter Mutual Insurance Company ("Shelter"); Shelter is responsible for losses because the vehicle owner permissively lent the vehicle to his son-the driver-who crashed the vehicle. But the driver also had his own insurance policy…