Centennial Insurance v. State Farm Mutual Automobile Insurance

BLOOM, Judge.

This appeal presents a question not heretofore answered by the Court of Appeals or this Court: What effect may, or must, be given to conflicting “escape” or avoidance of coverage clauses in two liability insurance policies, each of which would provide coverage to the driver of a motor vehicle involved in a collision if no other policy provides coverage but would deny coverage if any other insurance were available?

The facts that give rise to this case are basically undisputed and singularly uncomplicated. Criswell Chevrolet, Inc., an automobile dealer, provided Robert Crampton…