Howell v. United States Fidelity & Guaranty Insurance

Justice BURNETT:

We accepted three questions certified by the United States District Court for South Carolina pursuant to Rule 228, SCACR. The questions involve the applicability of S.C.Code Ann. § 38-77-160 (2002) to an insurance policy providing liability coverage for only hired and non-owned vehicles used in the named insured’s business.

FACTUALIPROCEDURAL BACKGROUND

The facts are drawn from the district court’s certification order. On June 2, 2002, Timothy Ross Howell (Plaintiff) was involved in an automobile accident while driving an automobile owned by his father. Plaintiff was acting in…