Jowenna Surber owned a Mercedes Benz automobile that she insured through an insurance broker, Mid Century Insurance Company (Mid Century). Mid Century secured a policy for Surber with the Farmers Insurance Company (Farmers). Surber gave permission to her friend, Bruce Martin, to use the car. Martin held a valid California driver’s license. Surber did not receive any compensation for allowing Martin to use the car. While driving the car, Martin was involved in a collision with another vehicle, driven by Loretta Haynes, who suffered severe injuries. Martin admitted that his negligence was the cause of the accident. Surber’s policy stipulates that the policy covers “you or any family member or any person using your insured car.” Is Farmers liable to Haynes? Mid Century Insurance Company v. Haynes, 218 Cal. App. 3d 737, 267 Cal. Rptr. 248, 1990 Cal. App. Lexis 219 (Court of Appeal of California)