Allstate Insurance v. Smoak

Littlejohn, Justice:

This appeal is from a jury verdict in a declaratory judgment action brought by Allstate Insurance Company to have its uninsured motorist coverage declared inapplicable to an accident involving Allstate’s insured, Willard Smoak. He was in collision with the truck of William Seabrook, to whom Carolina Casualty Insurance Company had issued a policy. The effective date of Seabrook’s policy is the pivotal question presented to our court.

On July 24, 1964 Willard Smoak was operating his 1964 Chevrolet automobile and collided with a 1954 GMC truck owned by William Seabrook, d/b/a…