On the surface, the facts in the case of Travelers Property Casualty Co. v. Moore, et al. are at once tragic and absurd. Still, it resolves important questions about when employees using work vehicles might be covered under their company's auto insurance policy.
Two men working for a tow truck operation, contracted to repossess vehicles, were attacked when they tried to do their job. As they hitched a repossessed Ford Mustang to the tow truck, the enraged owner fired several shots into the air with a shotgun. When the two tow truck operators fled, the Mustang still hitched to the back, the vehicle owner jumped into his work van and gave chase, firing several shots into the tow truck.
Ultimately, one of the tow truck operators was killed and the other seriously injured. The vehicle owner was arrested, convicted and sentenced to life in prison.