Opinion ID: 1336220
Heading Depth: 1
Heading Rank: 2

Heading: Great American's Appeal.

Text: Great American's appeal is from the portion of the judgment providing that plaintiffs have and recover of Great American Insurance Company the sum of $7,770.00, together with interest and costs. The liability, if any, of Great American must be based on the following provisions of its policy: Persons Insured. The following are insureds under Part 1: (a) With respect to the owned automobile, (1)    (2)    (b) With respect to a non-owned automobile, (1) the named insured, (2) any relative, but only with respect to a private passenger automobile or trailer, provided the actual use thereof is with the permission of the owner; (c)   . The term non-owned automobile, as used in (b) under Persons Insured, and as defined in the policy, means an automobile or trailer not owned by or furnished for the regular use of either the named insured or any relative, other than a temporary substitute automobile. It was stipulated Firestone's Ford was not a temporary substitute automobile. The owned automobile referred to in (a) was Whaley's Plymouth. The policy provided coverage if, but only if, Firestone's Ford operated by Whaley was a non-owned automobile as defined in the policy. Kirk v. Nationwide Mutual Insurance Co., 254 N.C. 651, 655, 119 S.E.2d 645, and cases cited. A non-owned automobile was an automobile not    furnished for the regular use of Whaley. Upon the stipulated facts, and for the reasons stated in connection with our consideration of plaintiffs' appeal, we are of opinion, and so decide, that Firestone's Ford was furnished for the regular use of Whaley within the intent and meaning of the policy; and that Great American's policy, providing principal coverage for Whaley's Plymouth, did not cover the liability incurred by Whaley while operating Firestone's Ford on the occasion of the collision. Hence, the portion of the judgment providing that plaintiffs recover from Great American must be and is reversed. In view of the conclusion(s) reached, we do not discuss other defenses asserted by defendants or the evidence pertinent thereto. On plaintiffs' appeal: Affirmed. On Great American's appeal: Reversed.