COURT OF APPEAL,FOURTH,DISTRICT,DIVISION 1,CALIFORNIA,GENE,UBER,MINOR,GUARDIAN AD LITEM,MARCY,PLAINTIFF,RESPONDENT,OHIO,CASUALTY INSURANCE,COMPANY,TRAVELERS INSURANCE COMPANY,DEFENDANTS,NEW AMSTERDAM,CASUALTY,DEFENDANT,JANUARY 05,PARKER,STANBURY,MCGEE,PECKHAM,GARRETT,LOS ANGELES,LUCE FORWARD HAMILTON SCRIPPS,ROBERT,SAN DIEGO,TRAVELERS,FITZGERALD,SMITH,ROBERT C,BAXLEY,OPINION,SUSTAINED,INJURIES,AUTOMOBILE ACCIDENT,PREVIOUS,ACTION,JUDGMENT,THE DRIVER,AUTOMOBILE,INVOLVED,THE ACCIDENT,INSTANT ACTION,RECOVERY,THE DEFENDANT,INSURANCE,COMPANIES,POLICIES,LIABILITY INSURANCE,SALES,CLAIMS,OWNERS,THE AUTOMOBILE,POLICY,OMNIBUS CLAUSE,INSURING,PERSON,OWNED,THE NAMED,PERMISSION,PROVISIONS,CODE,THE GROUND,PRIOR,SUBJECT,COMPLIANCE,REGISTRATION,TRANSFER,VEHICLE CODE,THE ORIGINAL,BRITISH,MOTOR,MOTORS,FRED,KIRK,THE THIRD,EASTSIDE,THE EXPRESS,BONA FIDE,MANNER,POSSESSION,NOTICE,THE TRANSFER,THE DEPARTMENT OF,MOTOR VEHICLES,CERTIFICATE,MISLAID,NEVER,INITIAL,THE CERTIFICATE,OWNERSHIP,REGISTERED OWNER,THE THEN,LEGAL,ENDORSEMENT,POWER OF ATTORNEY,BLANK,SIGNED,PURPOSE,WAS TO,PERMIT,ATTORNEY IN FACT,THE POWER,ATTORNEY,EMPLOYEE,AUTHORITY,NAME,THE TRIAL,COURT,DETERMINED,ENTITLED,RECOVER,INSURANCE COMPANY,DESIGNATED,PRORATA,SHARE,PERSONAL INJURY,THE CONCLUSION,DRIVEN,WHOM,REASON,VIRTUE,TO EACH,AGENCY,ADDITIONAL INSURED,THE CASE,TRIED,STATEMENT,FACTS,THE TESTIMONY,TWO WITNESSES,APPEALED,THE JUDGMENT,ISSUE,LIABILITY,RESPECTING,MANNER OF,ERROR,DELIVERY,THIRD PARTY,INJURED,IMPOSING,EVEN THOUGH,CONTINUE,UNLESS,AVOIDANCE,PEIRCE,DORSEY,PACIFIC,FINANCE,CORP,CONCORD AVENUE,CAL APP,TRUCK,EXCHANGE,TORRES,HARBOR,SUPRA,TERM,COVERING,LOSS,USE BY,FARMERS,INTER,TRADERS,GENERAL,IN CALIFORNIA,COVERAGE,THE OWNER,RULES,PLAINTIFFS,INJURY,MEANING,TERMINATED,SUBJECTION,SECTION,STRICT,ESCAPE,THE LIABILITY,ACCOUNT,ACCIDENT,BENCH,BEHALF,PROPER TIME,CANADIAN,INDEMNITY,THE DEPARTMENT,FACT,EXCUSE,PROVISION,CONDITION,FREEDOM FROM,ROSS,THE METHOD,FAILURE,SELECT,ALTERNATE,METHOD,AUTOMOTIVE,GOVERNMENT,EMPLOYEES,AMERICA,C,UNIVERSAL,CO 23,STATUTORY,PROTECT,THE PUBLIC,ONE OTHER,SURETY,SCOTT,MUST,IN LIGHT,ELEMENTS,ESSENTIAL,CASE LAW,THAT WHICH,SIMPSON,ON THE OTHER HAND,CAUSING,THE LOSS,CLAIM,NEED,THE RULES,THE PRODUCT,DECISIONS,STATUTES,INCIDENT,OMNIBUS,PARTIES,CONTEMPLATE,THE IMMEDIATE,PERTINENT,THE VEHICLE,CASE,HERBERT,DRIVING,CONSENT,THE CURRENT,CIRCUMSTANCES,MATTER,LAW,CONTENTION,THE COURT,FINDING,MERIT,ASSERT,SUBSTANCE,SHOULD,REJECT,SIMPSON SUPRA,HOLD,CIVIL,GRANT,USE IT,WHICH WILL,ACTIVATE,THE LAW OF,STATE,INSURANCE POLICIES,IMPLICATION,HALES,SNOWDEN,RATIONALE,SERVE,USEFUL,QUESTION,THE OTHER,CLAUSE,CONTEND,NEW AMSTERDAMS,PRIMARY,MULTIPLE,APPLY,RECIPROCAL,INSURERS,RULE,GOVERNED,CLAUSES,AMERICAN AUTOMOBILE,REPUBLIC,MILLER,WESTERN,PIONEER,SITUATION,EMPLOYERS,MARYLAND,CONTINENTAL,ZURICH,GENERALLY,LANGUAGE P,WITH RESPECT TO,SHALL,VALID,COLLECTIBLE,AVAILABLE,LANGUAGE,DEFINITION,THUS,DEPENDENT,THE SITUATION,AFFIRMED,FOOTNOTES,FICTITIOUS BUSINESS NAMES,BUSINESS,JUSTICE,BROWN,CONCUR,