Bayles v. Southern Guar. Ins. Co.

Southern Guaranty Insurance Company sought a judgment declaring that Lawrence A. Knight, III was not an insured under an automobile liability policy issued by Southern Guaranty to Lawrence's father, Dr. Lawrence Knight, and that Southern Guaranty had no obligation to defend or to provide coverage to Lawrence in a personal injury action brought against him by Carl Harold Bayles and Melissa Ann Bayles.

On July 16, 1983, Lawrence was driving an automobile owned by Mitch Brown. Mitch, Melissa Ann Bayles, and one other person were in the automobile when it ran off the road and collided with trees…