A pickup truck is not within the "non-owned automobile" coverage of a liability insurance contract where, by definition, a pickup truck is not a "private passenger automobile" but is rather a "farm automobile" or "utility automobile" not included in the "non-owned automobile" coverage.
Cotton States issued to Hutto its policy of automobile liability insurance, denominated "Family Combination Automobile Policy," covering a 1957 Ford sedan as described in the policy. While the policy was in force Hutto was involved in a collision which resulted in several damage suits being filed against him, and he called upon Cotton States to defend on his behalf and to pay any damages within the policy limits which might be assessed. Cotton States sought a declaratory judgment that it was not obligated by the terms of the policy to defend the suits or to pay any damages assessed against Hutto.
It was alleged in Cotton States' petition that at the time of the collision giving rise to the damage actions, Hutto was steering a disabled 1958 GMC pickup truck (which he did not own) that was being towed along the highway by another truck (which he did not own) with a chain. Cotton States contended that it had no obligation under the policy, a copy of which was attached to the petition, because the GMC pickup being steered by Hutto is not within the coverage afforded to a "non-owned automobile" as defined in the insurance contract, and that it is not otherwise covered.
It was stipulated by the parties that the trial court should decide the merits of the case on the sole basis of the facts as pleaded in the petition. The trial court entered an order dismissing the suit on its merits and rendered judgment in favor of defendants, from which Cotton States appeals.
Under the insurance contract involved in this case, property coverage is afforded to two cases of automobiles--"owned" automobiles and "non-owned" automobiles, both of which terms are explicitly defined in the "Definitions" section applicable to the liability coverage. The question in this case is whether the pickup truck is covered as a "non-owned automobile."
The policy provides in the "Definitions" section: " 'non-owned automobile' means a private passenger automobile or trailer . . . 'Private passenger automobile' means a four-wheel private passenger, station wagon or jeep type automobile." It is contended by Hutto, and the lower court so held, that the pickup truck falls within the definition of "private passenger automobile."
We disagree. The contract as a whole must be looked to in arriving at the construction of any part. Code Ann. 56-2419; Code 20-704 (4); Marbut v. Empire Lift Ins. Co., 143 Ga. 654 (1)
) (55 SE 834
); Fisher v. American Cas. Co., 194 Ga. 157
, 159 (21 SE2d 68
); Utica Mut Ins. Co. v. Dunn, 106 Ga. App. 577
, 578 (1) (129 SE2d 94
). Applicable rules of construction are to be found in Maddox v. Life & Cas. Ins. Co., 79 Ga. App. 164
, 174 (53 SE2d 235
), and citations; Malsby & Avery v. Young, 104 Ga. 205
, 212 (5) (30 SE 854
); Hartford Acc. &c. Co. v. Hulsey, 220 Ga. 240 (138 SE2d 319)
, and in the recent case of State Farm Mut. Auto. Ins. Co. v. Sewell, 223 Ga. 31 (153 SE2d 432)
. When the contract is considered as a whole the conclusion is demanded that a pickup truck is not a "private passenger automobile" within its meaning.
In the same "Definitions" section, " owned automobile" is defined as "The private passenger, farm or utility automobile which is owned by the named insured . . ." Thus the contract treats the category of "private passenger" automobiles as being separate and distinct from those of "farm" automobiles and "utility" automobiles, which, under further definition, are not "private passenger" automobiles.
"Farm automobile" is defined as "an automobile of the truck type with a load capacity of fifteen hundred pounds or less not used for business or commercial purposes other than farming. " Utility automobile" is defined as "an automobile, other than a farm automobile, with a load capacity of fifteen hundred pounds or less of the pickup body, sedan delivery, or panel truck type not used for business or commercial purposes."
It is clear that a pickup truck could be either a " farm automobile" or "utility automobile" depending, because of the express wording of the definitions, upon the actual use made of the particular truck. And since "farm" automobiles and "utility" automobiles are not "private passenger" automobiles, it necessarily follows that a pickup truck is not a "private passenger automobile" within the meaning of the contract. Pickup trucks, if covered at all under this "family combination" policy, are included in the coverage afforded to "owned" automobiles and must be owned by the insured because "owned automobile" is defined to include "farm" automobiles and "utility" automobiles; but the pickup truck with which we deal here is not included in the definition of coverage afforded to "non-owned" automobiles and could not be included in the definition of an "owned" automobile, since the insured did not own it. Hercules Cas. Ins. Co. v. Preferred Risk Ins. Co., 337 F2d 1, 3 (10th Cir.); Schmude v. Hansen, 28 Wis.2d 326 (137 NW2d 61).
Judgment reversed. Bell, P. J., and Jordan, J., concur.