Standard Guaranty Insurance v. Carswell

Beasley, Judge.

Standard Guaranty filed a petition for declaratory judgment seeking a determination as to whether it was required to provide coverage under a business auto liability policy issued to Carswell, d/b/a Kar Korner, insuring a 1972 wrecker.

On November 5, 1985, Carswell and Garner, an employee of Kar Korner, were attempting to repossess a van sold to Willingham by Kar Korner. According to Carswell, he hooked up the van to the wrecker while Garner talked with Willingham and nothing unusual happened when they towed the van away. Carswell gave another version of the incident in which he…