Case Name: Andrew P. BABIN and Patsy L. Babin v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Wendy Ann Crabb Touchet, Individually and as Tutrix of the Minor Children, Eric Paul Touchet and Tricia Ann Touchet, and Angelina Casualty Insurance Co.
Court: Louisiana Court of Appeal
Jurisdiction: Louisiana
Decision Date: 1986-10-27
Citations: 504 So. 2d 558
Docket Number: No. 86 CW 0074
Parties: Andrew P. BABIN and Patsy L. Babin v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Wendy Ann Crabb Touchet, Individually and as Tutrix of the Minor Children, Eric Paul Touchet and Tricia Ann Touchet, and Angelina Casualty Insurance Co.
Judges: Before EDWARDS, WATKINS and PONDER , JJ.
Reporter: Southern Reporter, Second Series
Volume: 504
Pages: 558–561

Head Matter:
Andrew P. BABIN and Patsy L. Babin v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Wendy Ann Crabb Touchet, Individually and as Tutrix of the Minor Children, Eric Paul Touchet and Tricia Ann Touchet, and Angelina Casualty Insurance Co.
No. 86 CW 0074.
Court of Appeal of Louisiana, First Circuit.
Oct. 27, 1986.
On Rehearing Jan. 22, 1987.
Rehearing Denied March 11, 1987.
Writ Denied April 20, 1987.
Danny L. Lirette, Houma, for plaintiffs and appellees — Andrew P. Babin and Patsy L. Babin.
Robert A. Redwine, New Orleans, for defendant and appellant — Angelina Cas. Co.
Before EDWARDS, WATKINS and PONDER , JJ.
Judge Elven E. Ponder, retired, has been assigned temporarily to this court by the Supreme Court of Louisiana to fill the vacancy created by the election of Justice Luther F. Cole to the Supreme Court.

Opinion:
WATKINS, Judge.
Andrew Babin was hired by Southland Truck Line, Inc. to haul certain goods. Ba-' bin was driving his own truck which was under lease to Southland. While in the course of his employment, Babin was in volved in a two car collision. The driver of the other car, Ernest P. Touchet, crossed the center line of the highway, causing the head-on collision. Babin suffered injuries in the accident, and Touchet was killed.
Babin began collecting worker's compensation benefits under the policy issued to Southland by Hartford Accident & Indemnity Company. Babin filed suit in the Thirty-Second Judicial District Court against Touchet's insurer, State Farm Mutual Automobile Insurance Company; Wendy Ann Crabb Touchet, Touchet's widow who was sued individually and as tutrix of her minor children; and Angelina Casualty Insurance Company, Southland's liability insurer. The plaintiff sought recovery from Angelina as the uninsured/underinsured motorist carrier for Southland. The plaintiff amended his petition to add State Farm, his own U/M carrier. Hartford intervened to recover for any sums paid under worker's compensation.
Angelina filed a motion for summary judgment, arguing there was no genuine issue of material fact as to whether there was coverage under the Angelina policy. The Angelina policy made no mention of uninsured motorist coverage, but U/M coverage was automatically "written into" the policy by virtue of LSA-R.S. 22:1406 D, since there was no waiver of U/M coverage. Angelina argues the policy specifically excludes coverage of injuries to employees arising out of accidents which occur in the course of employment.
The trial court heard the motion and denied it on November 21, 1985. Angelina, relator herein, sought writs on the denial of the motion for summary judgment. We set aside the judgment of the trial court and dismissed the suit. Plaintiff sought writs from the Louisiana Supreme Court, which remanded the matter to us for briefing, argument and opinion.
LSA-R.S. 22:1406 D(l)(a) states in pertinent part:
No automobile liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto, in not less than the limits of bodily injury liability provided by the policy, under provisions filed with and approved by the commissioner of insurance, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured or underinsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting therefrom.... (Emphasis added).
In Thomas v. Allstate Insurance Company, 321 So.2d 808 (La.App. 4th Cir.1975), the factual situation was very similar to the instant case. An employee was injured in an automobile accident while driving her personal automobile on a mission for her employer. She brought suit against her employer's insurer seeking recovery under the uninsured motorists provision of the employer's policy. Although the summary judgment which had been granted in the trial court had to be set aside because the appellate court did not have the insurance policy as part of the record, the court in dicta made the following interpretation of LSA-R.S. 22:1406 D(l):
It is necessary to ascertain initially whether the insurance policy provides liability coverage to the employee, or protects the employer against an employee's negligent act while driving a non-owned vehicle. LSA-R.S. 22:1406 (D)(1) requires that uninsured motorists coverage be provided to those persons who are insured under a policy providing for liability insurance. Simply stated: If the policy provides liability insurance for the protection of the employee, then under the statute, uninsured motorists coverage must be provided to the employee. If, on the other hand, the liability coverage under the policy is for the protection of the employer, then under the statute, uninsured motorists coverage must be provided only to the employer.
Id., 321 So.2d at 809-810.
The policy issued by Angelina to South-land in Part IV D 2 provides as follows in défining "WHO IS INSURED":
2. Anyone else is an insured while using with your permission a covered auto you own, hire or borrow except: a. The owner of a covered auto you hire or borrow from one of your employees or a member of his or her household.
Thus, as Babin, Southland's employee, was driving with Southland's permission a truck hired by Southland from Babin, Ba-bin was not an insured under Angelina's policy, and did not enjoy the benefit of uninsured motorist coverage written into all policies of motor vehicle liability insurance unless there is a waiver thereof. See Thomas, supra; cf. Franklin v. Charity Hospital of Louisiana, 422 So.2d 243 (La.App. 4th Cir.1982), writ denied, 423 So.2d 1184 (1982). The liability portion of the policy simply was not intended to cover the owner of a vehicle who is Southland's employee who hired the vehicle to Southland before using that vehicle with Southland's permission.
LSA-C.C.P. art. 966 states that if there are no genuine issues of material fact, and mover is entitled to judgment as a matter of law, summary judgment should be granted. The pleadings demonstrate as a matter of law, that relator is entitled to summary judgment. There are no questions of fact remaining, and the contract clearly does not afford coverage of the plaintiff.
The judgment of the trial court is therefore set aside, summary judgment granted in favor of Angelina and plaintiff's suit dismissed, at plaintiff's cost.
REVERSED.