Cotton States Mutual Insurance v. Hutto

Eberhardt, Judge.

Under the insurance contract involved in this case, liability coverage is afforded to two classes of automobiles—“owned” automobiles and “non-owned” automobiles, both of which terms are explicitly defined in the “Definitions” section applicable to the liability coverage. The question in this case is whether the pickup truck is covered as a “non-owned automobile.”

The policy provides in the “Definitions” section: “ ‘non-owned automobile’ means a private passenger automobile or trailer. . . ‘Private passenger automobile’ means a four-wheel private passenger, station wagon or…