M. F. A. Mutual Insurance Co. v. Alexander

361 S.W.2d 171, 1962 Mo. App. LEXIS 640
CourtMissouri Court of Appeals
DecidedSeptember 20, 1962
Docket8100 and 8102
StatusPublished
Cited by21 cases

This text of 361 S.W.2d 171 (M. F. A. Mutual Insurance Co. v. Alexander) is published on Counsel Stack Legal Research, covering Missouri Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
M. F. A. Mutual Insurance Co. v. Alexander, 361 S.W.2d 171, 1962 Mo. App. LEXIS 640 (Mo. Ct. App. 1962).

Opinion

McDowell, judge.

These consolidated appeals are from separate judgments rendered by the trial court of Greene County, Missouri, in a declaratory judgment action brought by plaintiff, M. F. A. -Mutual Insurance Company, against the defendants.

In appeal No. 8100, M. F. A. Mutual Insurance Company appeals from declaratory judgment entered against it declaring that it is liable under its automobile insurance policy issued to Willford A. Hill, named insured, decreeing that minor defendant, James Alexander, is an insured within the meaning of the policy and that plaintiff is obligated to defend said James Alexander in cases filed against him by the other defendants herein growing out of an automobile collision and that plaintiff is obligated to pay any judgments rendered against James Alexander in these cases up to the policy limit and allowing a fee of $350.00 for services rendered by Arch M. Skelton, guardian ad litem of Alexander, appointed by the court, to be taxed as costs against plaintiff and from the court’s action in denying plaintiff’s motion to retax costs.

Appeal No. 8102 is by Arch M. Skelton, guardian ad litem of defendant, James Alexander, from the judgment of the court overruling a motion to adjust the fees allowed said guardian ad litem.

Plaintiff’s amended petition, filed February 22, 1961, naming as defendants, James Alexander, Dale Keltner, Barbara Jean *173 Keltner, Evan Dale Keltner, William Blevins, Joan Blevins, and Phyllis Blevins, states, inter alia, that on or about September 28, 1960, plaintiff issued to one, Will-ford A. Hill, its policy of liability insurance, No. 1-202402, a copy of which is attached to the petition as exhibit (A) and made a part thereof, and that there now exists an actual controversy between plaintiff and the defendants involving the rights and liabilities of said parties under said contract of insurance, which controversies may be determined in this action without other suits.

That by the provisions of said policy of insurance plaintiff agreed, under certain conditions, to pay upon behalf of the insured all sums up to a certain limit which said insured might become legally obligated to pay as damages because of bodily injury and property damage sustained by any person caused by accident arising out of the ownership, maintenance or use of a certain Studebaker automobile owned by Willford A. Hill and described in the policy and that the word “insured” was defined in said policy as follows:

“The unqualified word ‘insured’ includes the names insured, and if an individual, his spouse, and:
“With respect to the owned automobile or a substitute automobile, any person or organization using it or legally responsible for its use, provided the actual use of the automobile is by the named insured or spouse, or with permission of either.”

That on or about October 27, 1960, Will-ford A. Hill gave permission to his son, Willford H. Hill, to drive said Studebaker automobile from the Hill residence to Homer Williams Service Station; that said Willford H. Hill drove the automobile to the service station and then permitted defendant, James Alexander, to drive said automobile from said service station to a point on U. S. Highway 66 By-Pass; that Alexander drove to a point on U. S. Highway 160 a distance of several miles from U. S. Highway 66 By-Pass; that at said point the automobile was involved in a collision with an automobile driven by defendant, Barbara Jean Keltner, owned, by defendant Dale Keltner; that defendants Evan Dale Keltner, Joan Blevins and Phyllis Blevins were passengers in said automobile; that the automobile was damaged and the occupants of said car received personal injuries; that these defendants have made claim against defendant, James Alexander, for damages arising out of the aforesaid collision.

That there is now a controversy between plaintiff and defendants with respect to the above mentioned claims; that plaintiff contends that James Alexander was not operating said Studebaker automobile with the permission of Willford A. Hill or his spouse at the time of the collision; that James Alexander is not an insured under plaintiff’s policy of insurance and .plaintiff is not obligated to defend him in any claim or action brought against him by any of the defendants for damages resulting from the collision and that plaintiff would not be liable under its policy of insurance to pay any judgment which might be entered in any action or actions brought against defendant, James Alexander, by defendants or either of them.

That James Alexander contends he is afforded coverage under said policy of insurance for any claim which may be made against him by the other defendants for damages arising out of said collision and that plaintiff under its policy of insurance is obligated to pay any judgment which might be entered against him on any action.

That said defendants contend that James Alexander is afforded coverage under said policy for claim made against him by them or either of them arising out of said collision.

The petition prays that the court adjudicate and determine the rights, liabilities, *174 duties and Iegal’relations of the parties under the aforesaid policy of insurance and that it adjudge, determine and decree that at the time of the collision referred to defendant, James Alexander, was not operating the Studebaker automobile with the permission of Willford A. Hill or his spouse; that plaintiff is not obligated to defend any suit brought by any of the defendants against James Alexander for damages arising out of said collision and would not be liable for thé payment of any judgment or judgments that might be entered in any such suit.

The separate answer of defendants, Dale Keltner, Barbara Jean Keltner, Evan Dale Keltner, William. Blevins, Joan Blevins arid Phyllis Blevins admits that there is an actual controversy existing between plaintiff and the defendants as to whether (a) plaintiff insured James Alexander under the insurance policy and (b) whether plaintiff is obligated to defend James Alexander thereunder. It avers that there are other actions pending in the Circuit Court of Greene County which were pending at the time the instant action was filed in which the coverage question herein raised can be determined.

The separate answer of defendant, James Alexander, avers that he is afforded coverage under said insurance policy for any claim which may be made against him and that plaintiff is obligated to defend him in such action or claim under the policy of insurance to pay any judgment which might .be entered against him in any such action.

He pleads that Willford A. Hill or his spouse, the parents of Willford H. Hill, prior to the 27th day of October, 1960, permitted and extended to their son almost complete control and virtually a blanket authority to use, operate, possess and otherwise treat as his own, the Studebaker automobile in question; that the said Willford H. Hill used and operated this automobile on numerous occasions, including October 27, 1960, without obtaining and without having to obtain specific permission from Willford A. Hill or h'is spouse; that people in the community thought the car actually belonged to the son and that because of such use, James Alexander was an insured under the policy.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

BITCO General Insurance Corporation v. Bruce Smith
89 F.4th 643 (Eighth Circuit, 2023)
Black v. State of Mo.
492 F. Supp. 848 (W.D. Missouri, 1980)
Cameron Mutual Insurance Co. v. Bower
558 S.W.2d 226 (Missouri Court of Appeals, 1977)
United States Fidelity & Guaranty Co. v. Safeco Insurance Co. of America
522 S.W.2d 809 (Supreme Court of Missouri, 1975)
Hauser v. Hill
510 S.W.2d 765 (Missouri Court of Appeals, 1974)
Allstate Insurance Co. v. Hartford Accident & Indemnity Co.
486 S.W.2d 38 (Missouri Court of Appeals, 1972)
Government Employees Insurance Co. v. Lammert
483 S.W.2d 652 (Missouri Court of Appeals, 1972)
Keating v. Jerde
472 S.W.2d 651 (Missouri Court of Appeals, 1971)
Whelchel v. Sommer
413 F.2d 521 (Eighth Circuit, 1969)
Bourne Ex Rel. Bourne v. Manley
435 S.W.2d 420 (Missouri Court of Appeals, 1968)
Drury v. Sikorski
419 S.W.2d 503 (Missouri Court of Appeals, 1967)
Helmkamp v. American Family Mutual Insurance Co.
407 S.W.2d 559 (Missouri Court of Appeals, 1966)
Schultz v. Tennessee Farmers Mutual Insurance Co.
404 S.W.2d 480 (Tennessee Supreme Court, 1966)
Kansas City Assemblage Co. v. Lea
405 S.W.2d 241 (Missouri Court of Appeals, 1966)
In Re Interest of G
389 S.W.2d 63 (Missouri Court of Appeals, 1965)
American Insurance v. McMichael
238 F. Supp. 154 (E.D. Missouri, 1964)
Fernández Martínez v. Superior Court of Puerto Rico
89 P.R. 737 (Supreme Court of Puerto Rico, 1964)
Fernández Martínez v. Tribunal Superior de Puerto Rico
89 P.R. Dec. 754 (Supreme Court of Puerto Rico, 1964)
Nye v. James
373 S.W.2d 655 (Missouri Court of Appeals, 1963)

Cite This Page — Counsel Stack

Bluebook (online)
361 S.W.2d 171, 1962 Mo. App. LEXIS 640, Counsel Stack Legal Research, https://law.counselstack.com/opinion/m-f-a-mutual-insurance-co-v-alexander-moctapp-1962.