Hall, Inc. v. Empire Fire & Marine Insurance

In this appeal, we determine whether the trial court erred in ruling that a loss of a certain automobile caused by fire was not covered under the provisions of a garage dealer’s insurance policy.

Hall, Inc., trading as Prestige Imports of Virginia (Hall), brought an action against Empire Fire and Marine Insurance Company (Empire) to recover under its garage dealer’s insurance policy for the loss of an automobile caused by fire. Empire denied that the loss was covered under the policy because Hall did not have legal title to the automobile at the time of the loss.

The case was submitted to the…