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ATLANTIC STATES GROUP v. SKOVRON

892 A.2d 683 (2006)

383 N.J. Super. 423

ATLANTIC STATES GROUP, as Agent for Underwriters at Lloyds, subrogee of Bay Point Motel, Inc., Plaintiff-Respondent, v. Lawrence SKOVRON and Stephen Skovron, Defendants. Rutgers Casualty Insurance Company, Plaintiff-Appellant, v. Lawrence Skovron and Stephen Skovron, Defendants.

Superior Court of New Jersey, Appellate Division.

Decided February 24, 2006.

Attorney(s) appearing for the Case

Frederick P. Warner argued the cause for appellant (Law Offices of Thomas G. Smith, attorneys; Mr. Warner, on the brief).

Jay L. Hundertmark argued the cause for respondent Atlantic States Group.

Before Judges SKILLMAN, AXELRAD and PAYNE.

The opinion of the court was delivered by

SKILLMAN, P.J.A.D.

This appeal involves application of the "initial permission" rule, which governs the scope of coverage of an automobile insurance policy, to a case where the named insured gave permission to use the insured vehicle to another party but the vehicle was subsequently used by a third party without the express or implied permission of either the named insured or the initial permittee.

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