Cincinnati Insurance Co. v. Samples

Opinion of the Court by

Justice COOPER.

Appellee, Raymond Samples, was injured in a two-vehicle accident on August 11, 1997. At the time of the accident, Samples was operating a motor vehicle owned by his employer, BGM Equipment Co., Inc. (“BGM”), and insured by Appellant, Cincinnati Insurance Co. (“Cincinnati”). The accident occurred when Samples’s vehicle was struck by a vehicle owned and operated by Michael Howton and insured by Direct General Agency, Inc. (“Direct General”). Howton’s negligence was the sole cause of the accident. Cincinnati paid Samples $10,000.00 in basic reparation…