Brown v. South Carolina Insurance

Bell, Judge:

This is a dispute over the existence of third-party liability insurance coverage for an automobile owned by Joseph Lee Brown. Brown alleges he was covered by the South Carolina Insurance Company at the time he had an accident with the automobile. The Insurance Company maintains there was no coverage, as Brown’s policy had been cancelled for nonpayment of premium.

Brown’s complaint alleges three causes of action: (1) breach of contract for failure to pay or defend a third-party claim against Brown; (2) negligence in failing to determine coverage or adjust a third-party claim against…