Brewer v. General Accident, Fire & Life Assurance Corp.

I dissent from the judgment affirming the trial court. The insured, Clarence Brewer, did not deal directly with insurance companies, but his dealings were with an insurance agency, Smith, Boley, Brown, Inc. The method of doing insurance business in Georgia is through agents of insurers who solicit, negotiate for, procure or make the contracts of insurance, directly or indirectly, between the insured and insurer. As such, the law creates the agency relationship and makes the local company the agent of the insurer. Code Ann. § 56-801b (Ga. L. 1960, pp. 289, 426); Globe & Rutgers Fire Ins. Co.…