This case involves a business auto liability policy declaratory judgment action. A female senior executive employed by a bank was driving to a work-related event in her personal vehicle. Because the woman was running late to the event, she began speeding at 20 mph over the limit. She was also using her phone to respond to emails relating to the event whilst driving. The woman ultimately caused an accident, totaling her car as well as the car she hit. The subsequent action involved determining the coverage that would be provided based on the scope of coverage offered employees using their personal vehicles while on the business affairs of the employer. An expert in insurance claims was sought to determine whether the language of the business affairs of the insured bank could extend to an employee of the bank using her personal vehicle at the time of the accident.