American Motorists Insurance v. Vermont

Bell, Presiding Judge.

Plaintiff contends that the phrase “articles carried or held as samples or for sale” means “property owned or used by the insured of a commercial nature in the conduct of his trade, occupation, or business.” We reject this construction.

While it is the general rule that ambiguities in an insurance contract must be construed most favorably to the insured, this rule has no application when the contract is unambiguous. Hulsey v. Interstate Life &c. Ins. Co., 207 Ga. 167, 169 (60 SE2d 353). Where the terms of an insurance policy are plain and unambiguous, the courts have no…