Insurance Provisions and Clauses. Darling’s Rent-a-Car carried property insurance on its cars under a policy issued by Philadelphia Indemnity Insurance Co. The policy listed Darling’s as the “insured.” Darling’s rented a car to Joshuah Farrington. In the rental contract, Farrington agreed to be responsible for any damage to the car and declined the optional insurance. Later, Farrington collided with a moose.

Philadelphia paid Darling’s for the damage to the car and sought to collect this amount from Farrington. Farrington argued that he was an “insured” under Darling’s policy.

How should “insured” be interpreted in this case? Why?

[Philadelphia Indemnity Insurance Co. v. Farrington, 37 A.3d 305 (Me. 2012) (See pages 950–952, 954.)