The California Court of Appeal reversed a ruling in favor of an insurer who had sued another insurer for contribution to a settlement award. The case is GuideOne Mutual Ins. Co. v. Utica National Ins. Group, 213 Cal. App. 4th 1494 (Cal. Ct. App. 2013). 

A pastor was driving his personal vehicle when he struck and caused serious injuries to a man riding a motorcycle. The injured man and his wife sued the pastor for the man's bodily injuries, and sued the church and the governing evangelical association for vicarious liability for the pastor. 

The pastor was individually covered under an auto liability policy with State Farm. The church and any employees, such as the pastor, were covered by a commercial auto and a commercial umbrella policy by GuideOne. Coverage was available to employees so long as they were acting in the scope of their employment. The evangelical association had a commercial auto and commercial umbrella policy by Utica.