SOUTHERN TRUST INSURANCE COMPANY v. CRAVEY Et Al.

Bethel, Judge.

The primary question this Court must answer in this case is whether a valid and enforceable insurance contract was created between Southern Trust Insurance Company (Southern Trust) and Ronald E. Cravey. Cravey and Auto-Owners Insurance Company (Auto-Owners), who seek to benefit from the existence of such a contract, argue that a valid contract does exist. Southern Trust, which disputes the existence of a valid and enforceable insurance contract, argues that it does not, that Auto-Owners therefore cannot bring a subrogation claim against it, and that the trial court's summary…