State Farm Mut. Auto. Ins. Co. v. Jacober

In State Farm Mut. Auto. Ins. Co. v. Jacober (1973) 10 Cal.3d 193, the issue was whether a State Farm auto policy covered a permissive user of the insured vehicle sued for negligence in causing injury or death to the owner of the vehicle. (Jacober, supra, 10 Cal.3d at p. 196.) The policy covered permissive users of the owned automobile for liability to "other persons" but excluded liability coverage for "bodily injury to the insured." (Ibid.) The court declined to enforce the exclusion. The court agreed that the exclusion provision was reasonably susceptible of claimants' interpretation that coverage is excluded "only for injuries sustained by the 'insured' seeking the protection of the insurance policy in the particular case at hand." (Jacober, supra, 10 Cal.3d at p. 207.)