Curtis v. State Farm Mutual Automobile Insurance Company

After an accident involving an unlicensed driver, Mr. Curtis (plaintiff) sought coverage against State Farm (defendant) under the Ahrens's auto policy. The car had been passed down a chain of permittees, ending with Wallace, who drove with the permission of an intermediate permittee, though the first permittees were unaware Wallace was driving. State Farm disclaimed coverage. A jury found the policy covered the driver, and State Farm appealed.

Whether an implied grant of permission by a permittee of the named insured extends coverage to a third permittee driving with the permission of the second permittee.