White v. Georgia Farm Bureau Mutual Insurance

I agree with the majority opinion and write to point out why I find Ga. Farm Bureau Mut. Ins. Co. v. Drexler, 254 Ga. 98 (326 SE2d 741) (1985) and Cotton States Mut. Ins. Co. v. Lashley, 255 Ga. 71 (335 SE2d 855) (1985) distinguishable.

The general rule of contracts is that death discharges a contractual duty if the contract is personal. Corbin on Contracts, Ch. 75, p. 374. This general rule applies to automobile liability insurance. “In the absence of a contrary provision, an automobile liability or indemnity policy terminates with the death of the insured.” Couch on Insurance 2d, § 39:243…