Floyd v. Integon General Insurance

WYNN, Judge.

This appeal presents us with two narrow questions of law: (1) Can an insured under a motor vehicle liability policy in North Carolina “use” more than one insured vehicle at a given time? and (2) Does North Carolina’s Financial Responsibility Act, embodied in Article 9A of Chapter 20 in the General Statutes, N.C. Gen. Stat. §§ 20-279.1 et seq. (2001), prevent motor vehicle liability insurers from placing limits on their liability regardless of the number of insureds or insured vehicles involved, or the number of claims made? Based on our existing case law, we are compelled to…