Griffitts v. Old Republic Insurance Co.Annotate this Case
The circuit court erroneously declared the law when it concluded that an employee’s violation of employer’s rules regarding vehicle operation were sufficient to preclude coverage under the omnibus clause of the employer’s insurance policy.
James Campbell, an employee of BNSF Railway Company, rear-ended Ricky Lee Griffitts while driving a BNSF company vehicle. Campbell was intoxicated at the time of the collision. Numerous lawsuits ensued. This appeal was from an equitable garnishment action that Griffitts filed against BNSF and its insurer, Old Republic (collectively, Respondents), to collect on an unsatisfied judgment entered against Campbell in an earlier action. In this action, Griffitts claimed that Campbell was a permissive user under the omnibus clause of the insurance policy Old Republic issued to BNSF. The circuit court concluded that Campbell did not have permission to use the company vehicle at the time of the accident due to his violation of BNSF’s policy on the use of alcohol and drugs, and therefore, Campbell was not a permissive user under the omnibus clause. The Supreme Court reversed, holding that Campbell had permission to use the company vehicle at the time of the accident and that it did not matter, for purposes of insurance coverage, that Campbell was drunk.