Clemmons v. Nationwide Mutual Insurance Company

The policy issued by Nationwide to Mrs. King contained all provisions of an owner’s policy of liability insurance required by G.S. 20-279.21 as proof of the financial responsibility required by G.S. 20-309 et seq. The distinction between an owner’s policy of liability insurance and an operator’s policy of liability insurance, the required provisions of each being set forth in G.S. 20-279.21, is pointed out in Howell v. Indemnity Co., 237 N.C. 227, 74 S.E. 2d 610, and Lofquist v. Insurance Co., 263 N.C. 615, 140 S.E. 2d 12.

In Woodruff v. Insurance Co., 260 N.C. 723, 133 S.E. 2d 704, the…