Rainey v. State Farm Mut. Auto. Ins. Co.

• Decision Date: 19 June 1995
• Docket Number: No. A95A0319,A95A0319
• Citation: 217 Ga.App. 618,458 S.E.2d 411
• Parties: RAINEY v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY.
• Court: Georgia Court of Appeals

Page 411

458 S.E.2d 411

217 Ga.App. 618

RAINEY v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY.

No. A95A0319.

Court of Appeals of Georgia.

June 19, 1995.

Beauchamp & Associates, Robert M. Beauchamp, Alexander R. Nemajovsky, Albany, for appellant.

Sims, Fleming & Spurlin, John S. Sims, Jr. & John C. Spurlin, Tifton, for appellee.

JOHNSON, Judge.

Marilyn Reynolds had three car insurance policies with State Farm Mutual Automobile Insurance Company. The policies included uninsured motorist coverage. Her father, William Rainey, lived with Reynolds intermittently. When Rainey was injured in a car accident, he filed suit against the other driver and had State Farm served as an uninsured motorist carrier claiming entitlement to coverage as a relative living with the named insured. State Farm moved for summary judgment, arguing that on the date of the accident, Rainey was not living with Reynolds. The trial court agreed and granted State Farm's motion for summary judgment.

Rainey contends that State Farm failed to prove conclusively that he did not reside with the named insured and that the issue therefore should have been submitted to a jury. Because the record does conclusively establish that Rainey maintained a separate household and was not living with Reynolds when the accident occurred, we affirm the judgment of the trial court.

The insurance policies in question provide uninsured motor vehicle coverage to relatives of the named insured. The policies define a relative as "a person related to [the named insured] by blood, marriage or adoption who lives with [the named insured]." Unfortunately, the policies do not define the phrase "lives with," and our research has uncovered no cases in which we have had to interpret the meaning of that particular phrase. Apparently, however, both parties equate the phrase with "resides with," "is a member of the household," or "is a resident of the household" and cite cases interpreting these phrases. We agree that these phrases are sufficiently similar to "lives with" to provide guidance in this case.

In determining whether a relative is a resident of the insured's household for uninsured motorist coverage purposes, the aggregate details of the family's living arrangements must be considered. Davenport v. Aetna Cas., etc., Co. of Ill., 144 Ga.App. 474, 475, 241 S.E.2d 593 (1978). Of critical importance to such an analysis is whether the family members have established and maintained separate households under different managements. See Cotton States Mut. Ins. Co. v. McEachern, 135 Ga.App. 628, 631, 218 S.E.2d 645 (1975); State Farm, etc., Ins. Co. v. Snyder, 122 Ga.App. 584, 586, 178 S.E.2d 215 (1970). A household relationship may end if one of the relatives has demonstrated an intent to remove himself from the household and has taken some action toward doing so. Keene v. State Farm, etc., Ins. Co., 114 Ga.App. 625, 626(2), 152 S.E.2d 577 (1966).

The record in this case reveals the following: In his deposition, Rainey states unequivocally that on May 16, 1993, the date of the accident, he lived in an apartment in Tifton. His daughter lived in Albany at the time. Rainey deposed further that he lived with Reynolds in her Albany home before November 1991 and after October 1993. On the day of the accident, by his own admission, he was driving from his Tifton apartment to his job in Albany. Rainey's income tax return dated February 11, 1993, shows him as having a Tifton address and lists Reynolds, with an Albany address, as his closest relative not living with him. Rainey's cancelled rent checks reveal that he maintained his Tifton apartment from December 1992 through May 1993. Rainey states in his affidavit that from January 1993 to June 1993, he maintained an apartment in Tifton but contributed toward rent and bills on Reynolds' Albany home, where he slept in a bedroom set aside for his use an average of three nights each week. He also took showers when he stayed there and left some of his personal effects at Reynolds' home. In her affidavit, Reynolds makes the same statements adding that Rainey had a key to and ate meals in her home. Even construing the evidence in Rainey's favor as the non-movant, there is no question that he and Reynolds maintained separate households and did not live together at the time of the accident. He admitted on deposition that he was living in Tifton and not Reynolds' Albany home on the date in question. This admission is corroborated by other evidence, such as the tax return and cancelled checks. Nowhere in the record is there evidence...