What is the effect of the so-called "omnibus clause" in a personal injury policy?

1 The record here well illustrates the merit of the rule enunciated in Wolfson v. Beatty, 118 Cal.App.2d 392, 257 P.2d 1017, that where actions are consolidated there should be but one set of findings and one judgment.

2 This clause is hereinafter referred to as the 'omnibus clause.'

3 The provisions of this as well as other policies involved as to 'other insurance' are quoted post.