Opinion ID: 273294
Heading Depth: 1
Heading Rank: 2

Heading: Coverage A-- Bodily Injury Liability-- Automobile

Text: To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by any person, caused by accident and arising out of the ownership, maintenance or use of any automobile.' 'III. Definition of 'Insured.' The unqualified word 'insured' includes the named insured and also includes    (2) under Coverages A and C, any person while using an owned automobile or a hired automobile and any person or organization legally responsible for the use thereof, provided the actual use of the automobile is by the named insured or with his permission   .' 2 '3. Definitions (f) Purposes of Use.    Use of an automobile includes the loading and unloading thereof.' 3 American Auto. Ins. Co. v. Master Bldg. Supply & Lbr. Co., 179 F.Supp. 699 (D.Md.1959) (Thomsen, C.J.); Employers' Liability Assur. Corp. v. Indemnity Ins. Co., 228 F.Supp. 896 (D.Md.1964) (Winter, J.) 4 242 F.Supp. 627 (D.Md.1965) 5 Two other recent cases strongly support the District Court's conclusion. See CinqMars v. Travelers Ins. Co., 218 A.2d 467 (R.I. Apr. 7, 1966); Drew Chemical Corp. v. American Fore Loyalty Group (Apr. 6, 1966) 90 N.J.Super. 582, 218 A.2d 875. It is noteworthy that in the later case the opinion of Judge Winter in Employers' Liability Assur. Corp. v. Indemnity Ins. Co., 228 F.Supp. 896 (see n. 3 and accompanying text, supra) is quoted with approval