United Services Automobile Ass'n v. Universal Underwriters Insurance

WEBB, Justice.

We faced a situation very similar to the one in this case in Insurance Co. v. Insurance Co., 269 N.C. 341, 152 S.E.2d 436 (1967). We hold that pursuant to Insurance Co. we are bound to reverse the Court of Appeals.

In Insurance Co. we held that an insurer by the terms of its policy could exclude liability coverage under a garage owner’s liability policy if the driver of a vehicle owned by the garage was covered under his own policy for the minimum amount of liability coverage required by the Motor Vehicle Financial Responsibility Act, N.C.G.S. § 20-279.1 et seq. Whether such an…