Acuity, A Mutual Insurance Co. v. Progressive Specialty Insurance Co.
Annotate this Case
The Supreme Court reversed the judgment of the court of appeals concluding that Acuity was not required to provide coverage for the car accident in this case, holding that Acuity must provide coverage for the accident.
Ashton Smith, who was insured by Acuity and had borrowed a friend's car, was involved in an accident. The car's owner was insured by Progressive Speciality Insurance Company. Under the Progressive policy, Smith was not an "insured person" when he was driving his friend's car, but he was covered by the plain language of the Acuity policy. The trial court found Acuity responsible for providing liability coverage. The court of appeals reversed. The Supreme Court reversed, holding that under the plain language of the two policies at issue, Acuity was responsible for providing coverage.
Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You should read the full case before relying on it for legal research purposes.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.