Farm Bureau Mutual Automobile Insurance v. Garland

By its policy issued to the defendant Garland, the plaintiff undertook “to pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because of bodily injury . . . sustained by any person . . . and arising out of the . . . use of the automobile.” The policy further provided that “the unqualified word ‘Insured’ includes the Named Insured and also includes any person while using the automobile . . . provided the actual use ... is by the Named Insured or with his permission”; but that the “insurance with respect to any person . . . other than the…