Staker&parson Companies v. Scottsdale Insurance Co

Summary

The Arizona Supreme Court answered four certified questions concerning when an additional insured is using a contractor’s covered vehicle under Arizona law. It held that transporting the additional insured’s cargo constitutes use without active or actual control, but that driving on the additional insured’s private roads and the additional insured’s managerial functions do not independently constitute use. The court also held that coverage-related causation requires a connection between the injury and the vehicle’s ownership, maintenance, or use, while leaving the existence of that causal link to the trier of fact.