Herbert's daughter was a student nurse who lived with her parents when she was not attending college. One day, Herbert was close to the campus while using his company car and he arranged to pick her up to bring her home. An accident occurred and Herbert's daughter sued her father's employer for her injuries.

This classic case asked the courts to determine when the employee stopped using his employer's car with permission.

Click here to review the resolution of this 1964 court case.

The first and most basic question on any commercial liability policy is "who is the insured." The answer is the starting point in both underwriting and claims handling. If the person or entity is not an insured, there is no coverage for damages they cause.

Click here to review the PF&M analysis of the Who is An Insured Sections in the Insurance Services Office (ISO) Commercial Auto Coverage Form and the ISO Commercial General Liability Coverage Form.