Selected Risks Insurance Co. v. Zullo

Summary

The Supreme Court of New Jersey held that Richard Keeter, a minor who was given initial permission to use his owner's automobile, is an insured under both the owned‑vehicle and non‑owned‑vehicle policies issued by Selected Risks Insurance Company. The Court based its decision on the statutory requirement that automobile liability policies contain a broad omnibus clause and on the Matits initial‑permission rule.