Logourl black
From our private database of 14,000+ case briefs...

Provident Tradesmens Bank & Trust Co. v. Patterson

United States Supreme Court
390 U.S. 102 (1968)


Edward Dutcher loaned his car to Donald Cionci so Cionci could run an errand. With John Lynch in the car, Cionci made a detour from the errand, and while on the detour, ran into a truck, killing himself, Lynch, and the truck driver. Dutcher had a car insurance policy with Lumbermens Mutual Casualty Company (Lumbermens), which had declined to defend itself in a tort action based on the accident because it believed that Cionci had not had permission to use the car and thus was not covered for the accident. Provident Tradesmens Bank (Provident) (plaintiff), the administrator of Lynch’s estate, brought a diversity suit against Lumbermens and the estate of Cionci (defendants), seeking a declaratory ruling that Cionci had Dutcher’s permission to use the car, and was thus covered by the Lumbermens policy. The district court found that Cionci had permission to use the car. The United States Court of Appeals for the Third Circuit reversed the ruling on the grounds that Dutcher had to be joined in order for the case to be heard. The defendants appealed.

Rule of Law

The rule of law is the black letter law upon which the court rested its decision.

To access this section, please start your free trial or log in.


The issue section includes the dispositive legal issue in the case phrased as a question.

To access this section, please start your free trial or log in.

Holding and Reasoning (Harlan, J.)

The holding and reasoning section includes:

  • A "yes" or "no" answer to the question framed in the issue section;
  • A summary of the majority or plurality opinion, using the CREAC method; and
  • The procedural disposition (e.g. reversed and remanded, affirmed, etc.).

To access this section, please start your free trial or log in.

What to do next…

  1. Unlock this case brief with a free (no-commitment) trial membership of Quimbee.

    You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.

  2. Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.

    Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.

Here's why 199,000 law students have relied on our case briefs:

  • Written by law professors and practitioners, not other law students. 14,000 briefs, keyed to 188 casebooks. Top-notch customer support.
  • The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
  • Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
  • Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.