Opinion ID: 1477664
Heading Depth: 1
Heading Rank: 1

Heading: The truck is then described.)

Text: 9. The above described automobile will not be rented or used to carry passengers for a consideration or used to tow or propel a trailer or vehicle used as a trailer, and the purposes for which they will be used are, (a) Private passenger type automobiles  pleasure and business purposes. (b) Commercial vehicles  only in the business as described in Declaration No. 4, including loading and unloading and incidental pleasure use for the Named Assured's family. Except as follows: No exceptions. Under General Insuring Agreements we find this: 1. To insure the Assured against loss and/or expenses resulting from claims upon the Assured for damages on account of (a) Bodily injuries, including death, at any time resulting therefrom, to any person or persons,    Accidentally Suffered or Alleged to Have Been Suffered while this policy is in force by reason of the ownership, maintenance or use within the limits of the United States of America,    or Canada, of any automobile described in the Declarations. Under Provisions in the policy we find this: And the policy does not cover while any automobile insured hereunder is being used for any purpose other than specified in Declaration No. 9.    Of course, appellee's liability is only contractual and must be determined by the terms of the policy. Plainly this truck was a commercial vehicle, and its use is restrained under the policy by 9(b) of Declarations. Under said clause (b) it was provided that the truck could be used only in the business as described in Declaration No. 4  that is, in the business of Sam Holland as a merchant, including loading and unloading and incidental pleasure use of the named assured's family, no exceptions. The named assured was Sam Holland. This excluded its incidental pleasure use by all others than the named assured's family, no exceptions. Obviously those riding in the truck with Day at the time of the accident were not the named assured's family, or members thereof, and under the facts the four persons riding with Day, including the two children were in the truck as incidental pleasure use of it. Had they paid a consideration as passengers they would have been excluded under the fore-part of said paragraph 9; and the policy under the clause quoted supra expressly provides that it does not cover while any automobile insured hereunder is being used for any purpose other than as specified in Declaration No. 9. Thus the contract in plain terms excludes liability of appellee on the undisputed facts of this case. The judgment in its favor is, therefore, affirmed.