Jefferson Insurance Company of New York, Respondent v. Travelers Indemnity Company, Appellant, and Reliance…

Summary

The New York Court of Appeals held that Travelers' endorsements made A-Drive an insured under Travelers' $500,000 business auto policy, that Travelers' coverage was primary alongside Reliance, that Reliance's step‑down endorsement did not limit its liability to $10,000, and that the antisubrogation rule barred Jefferson and Reliance's indemnity claim against Travelers. Accordingly, Travelers and Reliance each bear half of the $900,000 settlement, and the Appellate Division's order was modified and affirmed.