Lovy

These consolidated appeals raise the question of the type and extent of coverages afforded under eight different insurance policies to Kondrack, the permissive driver of a vehicle rented from Hopkins by the plaintiff, George P. Lovy. For the reasons set forth below, we have concluded that the declaratory judgment in No. 43504 must be reversed, and the summary judgment in No. 41981 affirmed.

The basic underlying facts are not in dispute. So far as here pertinent, on May 25, 1973, Lovy rented a 1973 Honda from Hopkins for a pleasure trip to Yosemite National Park. At the time of the one-car accident on May 27, the Honda was driven by Kondrack with Levy’s permission. Lovy sustained catastrophic injuries, for which a jury in a subsequent separate personal injury action rendered a judgment in favor of Lovy against Kondrack in excess of $1 million. Additional facts will be added as required in our discussion of each policy.

No. 43504

As the major issues on this appeal pertain to the trial court’s findings and conclusions that no coverage was afforded to Hopkins, the named insured, by three of the policies issued by Farmers Group, we turn first to these three policies: 1)…