Murphy v. AAA Auto Ins. of Southern Cal. CA4/3

STATEMENT OF FACTS2

Starting in about February 2022, Murphy was employed as a full-time delivery driver for GE United Technologies, LLC doing business as Grassdoor (Grassdoor), which was a licensed cannabis retailer and delivery service. Grassdoor’s drivers used their own personal vehicles to deliver cannabis products to customers who ordered them online. Murphy would drive his personal vehicle, a 2012 Toyota Corolla, to Grassdoor’s warehouse facility in the City of Commerce where cannabis orders would be loaded into his vehicle. He would then drive the vehicle to deliver the orders. Murphy worked approximately nine hours a day, five days a week doing this job for Grassdoor, and would typically deliver about 10 to 20 orders per day. He was paid once per week and was reimbursed for his mileage. On July 3, 2022, Murphy was involved in a collision while delivering orders. His Toyota Corolla was damaged. At the time of the collision, Murphy was the named insured on an automobile policy issued by the Exchange. The policy covered physical damage to Murphy’s car unless coverage was otherwise excluded. The policy contained the compensated carrying exclusion, which was an amendatory…