COTTON STATES MUTUAL INSURANCE COMPANY v. Tabor

Court of Appeals of Georgia

COTTON STATES MUTUAL INSURANCE COMPANY v. Tabor

112 S.E.2d 621, 100 Ga. App. 844, 1959 Ga. App. LEXIS 744

CourtCourt of Appeals of Georgia

DecidedDecember 4, 1959

Docket37966

StatusPublished

Cited by3 cases

This text of 112 S.E.2d 621 (COTTON STATES MUTUAL INSURANCE COMPANY v. Tabor) is published on Counsel Stack Legal Research, covering Court of Appeals of Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

COTTON STATES MUTUAL INSURANCE COMPANY v. Tabor, 112 S.E.2d 621, 100 Ga. App. 844, 1959 Ga. App. LEXIS 744 (Ga. Ct. App. 1959).

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Opinion

Carlisle, Judge.

1. Under previous rulings of this court, an action to recover under the provisions of a policy of insurance issued to a county school board covering a school bus, or buses, insofar as such action is founded upon the coverage afforded to the children carried by such bus, or buses, is an action ex contractu on the insurance policy and not ex delicto to recover for the negligence of the school bus driver or of the school board. Jones v. State Farm Mut. Automobile Ins. Co., 100 Ga. App. 727. Under such ruling the suit being one on an insurance policy where no beneficiary is named, and where the child for whose benefit the action is brought is dead, the cause of action lies in the estate of the deceased insured and as such it *845 may be maintained by the temporary administrator for whom the permanent administrator may be substituted upon his appointment. Reese v. Burts, 39 Ga. 565; Langford v. Langford, 82 Ga. 202 (8 S. E. 76); Banks v. Walker, 112 Ga. 542, 544 (37 S. E. 866); Baumgartner v. McKinnon, 137 Ga. 165 (73 S. E. 518, 38 L. R. A. (NS) 824); s.c. 10 Ga. App. 219 (73 S. E. 519); Grooms v. Mixon, 150 Ga. 335 (103 S. E. 845); Hutcheson Mfg. Co. v. Chandler, 29 Ga. App. 726 (116 S. E. 849).

Decided December 4, 1959 Rehearing deniedDecember 16, 1959. Eberhardt, Franklin, Barham ■& Coleman, for plaintiff in error. A. L. Kelley, Jr., Steve F. Mitchell, Robt. R. Forrester, Farkas, Landau ■& Davis, contra.

2. Where in an action of the nature indicated in the headnote above, the petition alleged that the policy of insurance was procured by the board and issued by the company pursuant to the provisions of the act approved February 25, 1949 (Ga. L. 1949, p. 1155), an action may be maintained and a recovery had by the school child, or its legal representative, for the full amount of the coverage of insurance provided by such policy and is not limited merely to the amount provided in a medical payments indorsement attached thereto. General Accident &c. Assurance Corp. v. Fountain, 100 Ga. App. 802. See also Cotton States Mut. Ins. Co. v. Keefe, 100 Ga. App. 715 and Jones v. State Farm Mut. Automobile Ins. Co., supra.

3. It follows that the trial court did not err in overruling the general demurrers to the petition or in refusing to strike from the petition the allegations seeking to recover in excess of $500 coverage provided by the medical payments indorsement.

Judgment affirmed.

Gardner, P. J., and Townsend, J., concur.

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Carlisle, Judge.

1. Under previous rulings of this court, an action to recover under the provisions of a policy of insurance issued to a county school board covering a school bus, or buses, insofar as such action is founded upon the coverage afforded to the children carried by such bus, or buses, is an action ex contractu on the insurance policy and not ex delicto to recover for the negligence of the school bus driver or of the school board. Jones v. State Farm Mut. Automobile Ins. Co., 100 Ga. App. 727. Under such ruling the suit being one on an insurance policy where no beneficiary is named, and where the child for whose benefit the action is brought is dead, the cause of action lies in the estate of the deceased insured and as such it *845 may be maintained by the temporary administrator for whom the permanent administrator may be substituted upon his appointment. Reese v. Burts, 39 Ga. 565; Langford v. Langford, 82 Ga. 202 (8 S. E. 76); Banks v. Walker, 112 Ga. 542, 544 (37 S. E. 866); Baumgartner v. McKinnon, 137 Ga. 165 (73 S. E. 518, 38 L. R. A. (NS) 824); s.c. 10 Ga. App. 219 (73 S. E. 519); Grooms v. Mixon, 150 Ga. 335 (103 S. E. 845); Hutcheson Mfg. Co. v. Chandler, 29 Ga. App. 726 (116 S. E. 849).

Decided December 4, 1959 Rehearing deniedDecember 16, 1959. Eberhardt, Franklin, Barham ■& Coleman, for plaintiff in error. A. L. Kelley, Jr., Steve F. Mitchell, Robt. R. Forrester, Farkas, Landau ■& Davis, contra.

2. Where in an action of the nature indicated in the headnote above, the petition alleged that the policy of insurance was procured by the board and issued by the company pursuant to the provisions of the act approved February 25, 1949 (Ga. L. 1949, p. 1155), an action may be maintained and a recovery had by the school child, or its legal representative, for the full amount of the coverage of insurance provided by such policy and is not limited merely to the amount provided in a medical payments indorsement attached thereto. General Accident &c. Assurance Corp. v. Fountain, 100 Ga. App. 802. See also Cotton States Mut. Ins. Co. v. Keefe, 100 Ga. App. 715 and Jones v. State Farm Mut. Automobile Ins. Co., supra.

3. It follows that the trial court did not err in overruling the general demurrers to the petition or in refusing to strike from the petition the allegations seeking to recover in excess of $500 coverage provided by the medical payments indorsement.

Judgment affirmed.

Gardner, P. J., and Townsend, J., concur.

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112 S.E.2d 621, 100 Ga. App. 844, 1959 Ga. App. LEXIS 744, Counsel Stack Legal Research, https://law.counselstack.com/opinion/cotton-states-mutual-insurance-company-v-tabor-gactapp-1959.

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