{"disclaimer":"This is a summary of public court records and is not legal advice. Missouri slip opinions may be modified or withdrawn; consult the official source.","party":{"slug":"ricky-griffitts","displayName":"Ricky Griffitts","totalCases":1},"cases":[{"caseId":"mo:sc96740:2018-07-03","opinionId":"9fb46cc9-a7fc-5cf1-a4e3-3e6b87273cdb","slug":"ricky-griffitts-appellant-v-old-republic-insurance-company-bnsf-railway-c-c96740","caseName":"Ricky Griffitts, Appellant, vs. Old Republic Insurance Company, BNSF Railway Company, and James M. Campbell, Respondents.","caseNumber":"SC96740","court":"mo","courtLabel":"Supreme Court of Missouri","decisionDate":"2018-07-03","year":2018,"display_summary":"Ricky Griffitts filed an equitable garnishment action against BNSF Railway Company and its insurer, Old Republic, seeking to collect on an unsatisfied judgment against James Campbell, a BNSF employee who rear-ended Griffitts while driving a company vehicle intoxicated. The circuit court found Campbell was not a permissive user under BNSF's insurance policy because he violated company rules regarding alcohol use. The Supreme Court of Missouri vacated the judgment and remanded the case, holding that the circuit court erroneously declared the law by conflating vehicle \"use\" and \"operation,\" and that Campbell's violation of rules related to \"operation\" did not negate his broad permission for \"use\" under the omnibus clause.","primaryTopic":"insurance","topicSlugs":["insurance","civil-procedure","contracts","auto-accident"],"outcomeNorm":"mixed","officialSourceUrl":"https://www.courts.mo.gov/file.jsp?id=127318","detailUrl":"https://ott.law/missouri-courts/opinions/ricky-griffitts-appellant-v-old-republic-insurance-company-bnsf-railway-c-c96740","relatedPracticeAreas":[{"slug":"personal-injury","label":"Personal Injury","href":"/practice-areas/personal-injury","score":20,"source":"tag","evidence":["tag: personal-injury"],"url":"https://ott.law/practice-areas/personal-injury"},{"slug":"insurance-bad-faith","label":"Insurance Bad Faith","href":"/practice-areas/insurance-bad-faith","score":16,"source":"topic","evidence":["topic: insurance","text: insurer","text: insurance policy"],"url":"https://ott.law/practice-areas/insurance-bad-faith"},{"slug":"car-accidents","label":"Car Accidents","href":"/practice-areas/car-accidents","score":12,"source":"topic","evidence":["topic: auto-accident"],"url":"https://ott.law/practice-areas/car-accidents"}],"role":"appellant"}]}