In reluctantly affirming a trial judge’s ruling that an employee was covered under his employer’s insurance policy for an accident he got into while using his own vehicle for a company errand, the Pennsylvania Superior Court said it was constrained by its own precedent to disregard an analysis of whether the vehicle was “‘borrowed’” by the employer and therefore excluded from coverage.

In a nonprecedential March 3 opinion in Olson v. State Auto Property and Casualty Insurance, a three-judge appeals panel upheld a Beaver County trial court’s ruling that Michael Sayre, a defendant in a motor vehicle accident case brought by plaintiffs Donna and Dennis Olson, was covered under his employer International Titanium Corp.’s policy with State Auto Property and Casualty Insurance Co.