Douglas Odolecki, Plaintiff-Appellant v. Hartford Accident & Indemnity Company, a Corporation of the State of…

Summary

The Supreme Court of New Jersey reversed the trial court and held that Douglas Odolecki, as a second permittee, is an additional insured under the automobile liability policy issued to Mrs. Kathryn Zylka. The Court adopted the "initial permission" rule, finding that once the named insured gives permission to a first permittee, any subsequent permissive use by a second driver is covered, regardless of the named insured's prohibition.