On 4 December 1990, Nationwide filed a declaratory judgment action against defendants seeking a determination of whether Enoch was an insured under the policy. Nationwide moved for summary judgment and, on 5 July 1991, the court entered an order stating that Nationwide was not obligated to provide insurance coverage for Enoch because he was not an insured under the policy. Defendant Anderson appealed that order and on 20 July 1993, a panel of this Court vacated the order after concluding that it was entered out of county and out of term without consent of the parties. Plaintiff moved for summary judgment a second time in November of 1993 and, again, the trial court granted summary judgment for plaintiff on the ground that Enoch was not an insured under the policy. From this order, defendant Anderson appeals.
Defendant argues that the trial court erred in granting summary judgment for plaintiff.
State Farm Mut. 102 N.C. App. If the words are subject to more than one meaning, they should be given the meaning most favorable to the policyholder and provisions extending coverage must be construed liberally. We believe, however, that the phrase encompasses much more than control or supervision and extends to the realities of providing life's basic necessities. We have found no North Carolina decisions interpreting this phrase, but decisions from two other jurisdictions provide some guidance.