Martin v. COTTON STATES MUTUAL INSURANCE COMPANY

Smith, Judge.

Roger Dale Martin and his wife sued their landlords, Harold and Evelyn Hight, to recover damages for injuries sustained when Roger Martin fell on the back steps of his rented residence. When the Hights were served with the summons and complaint, they notified Cotton States Mutual Insurance Company, which had issued their standard homeowners’ insurance policy. Cotton States filed an answer to the Martins’ suit on behalf of the Hights under a reservation of rights, and then filed this declaratory judgment action to determine whether coverage existed. The trial court granted the…