American Fire and Casualty Company v. Charles E. (Charley) Bramlett

JOHN R. BROWN, Circuit Judge.

Bramlett was the Assured under a standard automobile liability policy issued by the Insurer covering his pick-up truck. Mrs. Hulsey was injured when she fell from or was thrown off the truck as the Assured was attempting to get the truck out of a ditch. By its suit for declaratory judgment against both Assured and the Hulseys as potential damage claimants, the Insurer sought a determination of non-liability on the sole ground that Mrs. Hulsey, at the time of her injuries, was an employee and thus not covered by reason of the Employee Exclusion clause:

“This policy…