Carrier Permitted to Deny Coverage Due to Non-Permissive Use

In the case of State Farm Mutual Automobile Insurance Company v. Hamilton, No. AD 2020-10 (C.P. Crawf. Co. Feb. 12, 2024 Stevens, J.), the court ruled that State Farm was not required, based upon the facts presented, to provide coverage to a Defendant under the relevant insurance policy for an incident that occurred given that the party at issue was not authorized to be driving the insured’s vehicle on the date of the incident and, therefore, did not qualify as an insured under the liability coverage at issue. 

Anyone wishing to review a copy of this decision may click this LINK.

I send thanks to Attorney Joseph Hudock of the Summers McDonnell law firm in Pittsburgh for bringing this case to my attention.