ÿWPCï …4Vj 0(y 0l¡ 0D Q 0JQw › 0T¥ 0^ù 0hW 0r¿ 0|1 0†­ 03 1uà U,8 0dd UBÈ % U, U6< B)r DC› AMÞ B+U*H,rèžv~†vÓ D3× 0@  AOJÆ™ 0D_ D/£ BÒv‡d ÔøÔô3|x($¡¡((3úÝ$¤¤Ý ƒ!ÝÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  ÔÓ€2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô  ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)< Œ 9p`(ModernP ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ<þ6X9`(*Courier 12pt10cpiX< Œ 9p`(Monaco< Œ 9p`(Courier New% Line 7 d!!!!7Border 1dd€-"Cþÿ << Gÿÿ d< Œ 9p`(Arial "Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€ÔÔ€ ÔÝ  ÝÔ€%ÔÔ€%ÔÓ  ÓÔ YYY ÔFILEDÔ€%XÔÌÌò òMarch€6,€1996ÌÌCecil€Crowson,€Jr.ÌÔ€%ôÔAppellate€Court€Clerkó ó ÞÝ ƒ!ÝÑ#€d#ÑÔ€ÔÔ€ ÔÝ  ÝÝ ƒ$Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€ ôÔThis€account€is€disputed€by€Maria.ÌPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'@Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑMonacoÑÑ ÑÒ  BA: T Monaco ÒÒ  BA: T Monaco Ò$$$$'ÿÿdxd("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÓ&€X„d&ÓÑ#€Xd#ÑÔ€ ÔÝ  ÝÒ Ü ÒÒ ° ÒÑ ý ÑÑ  ÑÑ\R AØ'\ÑÑ7€¿ûXXdÈdÈ7ÑÙ€€ÙßL€#&";+'h|` Å `€€L߀€€€à@ àò òIN€THE€COURT€OFÏAPPEALS€OF€TENNESSEEÌÌà@ àEASTERN€SECTIONÌó óÌÌÌÌÌÌGEICO€GENERAL€INSURANCE€à àà à)€€C/A€NO.€03A01„9511„CH„00408ÌCOMPANY,à àà àà àà àà à)Ìà àà àà àà àà àà à)€€ANDERSON€CHANCERYÌà àPlaintiff„Appellee,à àà à)Ìà àà àà àà àà àà à)€€HON.€WILLIAM€E.€LANTRIP,Ìv.à àà àà àà àà àà à)€€CHANCELLORÌà àà àà àà àà àà à)ÌDUSTI€DAWN€HOWARD,€PAT€HOWARDà à)Ìand€wife€PENNE€HOWARD,€RAYà à)ÌGABRIELLE€COX,€and€JOHN€P.à à)ÌHOWARD€and€wife€MARIA€S.€à à)ÌHOWARD,à àà àà àà àà à)€€VACATEDÌà àà àà àà àà àà à)€€ANDÌà àDefendants„Appellants.à à)€€REMANDEDÌÌ______________________________________ÌÌTHE€FARMERS€AUTOMOBILE€à àà à)€€C/A€NO.€03A01„9511„CH„00407ÌINSURANCE€ASSOCIATION,€AN€à à)ÌILLINOIS€CORPORATION,à àà à)€€Ìà àà àà àà àà àà à)Ìà àPlaintiff„Appellee,à àà à)Ìà àà àà àà àà àà à)Ìv.à àà àà àà àà àà à)Ìà àà àà àà àà àà à)ÌDUSTI€DAWN€HOWARD,€PAT€HOWARDà à)Ìand€wife,€PENNE€HOWARD,€RAYà à)ÌGABRIELLE€COX,€and€JOHN€P.à à)ÌHOWARD€and€wife,€MARIA€S.à à)ÌHOWARD,à àà àà àà àà à)€€VACATEDÌà àà àà àà àà àà à)€€ANDÌà àDefendants„Appellants.à à)€€REMANDEDÌÌÌÌÌÌÌJ.€WILLIAM€COLEY,€HODGES€DOUGHTY€&€CARSON,€Knoxville,€forÏPlaintiff„Appellee,€GEICO€General€Insurance€Company€of€America.ÌÌROGER€L.€RIDENOUR,€Clinton,€for€Defendant„Appellant,€RayÏGabrielle€Cox.ÌÌW.€CLARK€MEREDITH,€JOYCE,€MEREDITH,€FLITCROFT€&€NORMAND,€OakÏRidge,€for€Defendants„Appellants,€Dusti€Dawn€Howard,€Pat€Howard,Ïand€Penne€Howard.ÌÌROBERT€M.€CHEMERS€and€JOHN€M.€McGREGOR,€PRETZEL€&€STOUFFER,ÏCHARTERED,€Chicago,€Illinois,€ÌandÌROCKFORDE€D.€KING,€EGERTON,€McAFEE,€ARMISTEAD€&€DAVIS,ÏKnoxville,€for€Plaintiff„Appellee,€The€Farmers€AutomobileÏInsurance€Association.ÌÌÌÌà àà àà àà àà àà àÌÑ  ÑÌÌÌÌÌÌà@ àò òòòO€P€I€N€I€O€Nóóó óÌÌÌÌÌÓÓà àà àà àà àà àà àà àà àFranks.€J.ÌÌÌà àà àThese€declaratory€judgment€actions€arose€as€a€resultÏof€a€single€car€accident.Ìà àà àGEICO€General€Insurance€Company€of€America€("GEICO")Ïhad€issued€a€family€automobile€insurance€policy€to€Ernest€P.ÏHoward,€and€the€Farmers€Automobile€Insurance€Company€AssociationÏ("Farmers")€had€issued€a€policy€of€insurance€to€John€P.€Howard.€ÍBoth€policies€were€in€force€at€the€time€of€the€accident.Ìà àà àThe€insurance€companies€sought€a€declaration€thatÏneither€policy€provided€coverage€to€Dusti€Dawn€Howard€for€theÏaccident.€€The€Trial€Court€determined€there€were€no€disputedÏissues€of€material€fact€and€granted€both€insurance€companiesÏsummary€judgment,€on€the€basis€that€Dusti,€daughter€of€Ernest€P.Ïand€Penne€Howard,€had€not€been€given€permission€to€operate€theÏ1992€Ford€Aerostar.€€Ìà àà àThe€undisputed€facts€are€that€on€August€16,€1993,ÏDusti€was€driving€the€1992€Ford€Aerostar€owned€by€her€Aunt€andÏUncle,€John€P.€and€Maria€S.€Howard,€when€she€was€involved€in€aÏsingle€motor€vehicle€accident.€€John€and€Maria€were€visiting€theÏErnest€Howards€(his€brother)€in€Tennessee,€at€the€time€of€theÏaccident.€€John€and€Maria€and€Ernest€and€his€wife€Penne€had€goneÏto€Gatlinburg,€Tennessee€on€an€outing€that€afternoon,€and€JohnÏleft€his€vehicle€at€Ernest's€home,€along€with€their€two€smallÏchildren,€where€Dusti€was€responsible€for€the€care€of€theÏchildren.€€Ìà àà àOn€the€morning€of€August€16,€Dusti€had€accompaniedÏMaria€to€a€shopping€mall€with€Maria€operating€the€van.€€As€toÏthis€trip,€Dusti€testified€thus:ÌÓÓà0 àà0 àQ.à0 àDusti,€did€you€have€a€conversation€with€yourÏAunt€Maria€on€the€occasion€of€going€to€the€mallÏthat€day?ÌÌà0 àà0 àA.à0 àYes.Ìà0 àÌà0 àà0 àQ.à0 àAnd€would€you€tell€us€what€that€conversation€wasÏregarding€the€vehicle€you€were€in?ÌÌà0 àà0 àA.à0 àShe€told€„„€she€asked€me€„„€we€were€atÏMcDonald's€and€we€were€going€to€be€on€our€wayÏback€home,€she€asked€me€if€I'd€like€to€drive€theÏvan.× ƒ' ××  ×ÌÌà0 àà0 àQ.à0 àAnd€what€was€your€response€at€that€time?ÌÌà0 àà0 àA.à0 àI€told€her€that,€no,€I€did€not.ÌÌà0 àà0 àQ.à0 àAnd€had€your€parents€at€any€time€or€your€auntÏand€uncle€put€any€restrictions€on€you€at€anyÏtime€that€you're€aware€of€in€the€general€use€ofÏvehicles?ÌÌà0 àà0 àA.à0 àNo.ÌÌÓÓà àà àDusti,€in€her€affidavit,€further€explained:ÌÓÓà0 àà0 àà àLater€that€day,€my€parents,€aunt€and€uncleÏdecided€to€spend€the€remainder€of€the€day€inÏGatlinburg.€€It€was€also€determined€that€I€was€toÏbabysit€my€younger€cousins€while€they€were€gone.€€NoÏdiscussions€concerning€what€the€children€and€I€couldÏor€could€not€do€occurred.€€I€was€not€told€what€timeÏthey€would€return€home.ÌÌà0 àà0 àà àAs€my€parents,€aunt€and€uncle€were€leaving,€myÏuncle€tossed€the€keys€to€his€van€to€me,€asking€that€IÏclose€the€windows€if€rain€began.€€No€otherÏinstructions€concerning€the€van€were€given.€€IÏbelieved€at€that€time€and€later,€I€had€permission€toÏdrive€the€van.ÌÌÓÓà àà àThe€Farmers€policy€insuring€John€Howard's€van,Ïcontains€the€following€exclusion:ÌÓÓà0 àà0 à(a)à0 àWe€do€not€provide€liability€coverage€for€anyÏperson:€.€.€.€ÌÌà0 àà0 à(b)à0 àUsing€a€vehicle€without€a€reasonable€belief€thatÏthat€person€is€entitled€to€do€so.ÌÌÓÓà àà àThe€GEICO€policy€issued€to€Ernest€with€regard€to€aÏnon„owned€vehicle€provides€coverage€to:ÌÓÓà0 àà0 àYou€and€your€relatives€when€using€a€private€passengerÏauto€or€trailer.€€Such€use€must€be€with€theÏpermission,€or€reasonable€belief€to€be€with€theÏpermission,€of€the€owner€and€within€the€scope€of€thatÏpermission;ÌÌÓÓand€GEICO's€uninsured€motorist€coverage€policy€provision,Ïprovides:ÌÓÓà0 àà0 àBut€the€term€"insured€auto"€does€not€include:ÌÌà0 àà0 à.€.€.€(ii)€an€auto€being€used€without€the€owner'sÏpermission;.ÌÌÓÓà àà àA€summary€judgment€proceeding€is€"not€in€any€sense€toÏbe€viewed€as€a€substitute€for€a€trial€of€disputed€factualÏissues".€€òòEvco€Corporation€v.€Rossóó,€528€S.W.2d€20,€25€(Tenn.Ï1975).€€Where€there€is€a€dispute€as€to€any€material€fact,€orÏdoubt€as€to€the€conclusions€to€be€drawn€from€that€fact,€a€motionÏfor€summary€judgment€is€not€appropriate.€€òòByrd€v.€Hallóó,€847ÏS.W.2d€208€(Tenn.€1993).€€Ìà àà àIn€this€action,€there€are€disputed€issues€of€materialÏfact€and€the€inferences€which€may€be€drawn€from€evidence.€€NoneÏof€the€reported€cases€in€this€jurisdiction€cited€by€the€partiesÍis€controlling,€since€those€cases€do€not€consider€the€languageÏcontained€in€these€policies.€€The€evidence€in€this€record,€whichÏmust€be€taken€in€the€light€most€favorable€to€the€opponents€ofÏthe€motion,€is€that€Dusti€was€offered€the€opportunity€to€driveÏthe€van€in€the€morning,€and€was€left€with€the€possession€ofÏignition€keys€that€afternoon€without€any€express€prohibition€onÏher€operating€the€van.€€A€disputed€factual€issue€is€establishedÏas€to€whether€Dusti,€under€all€the€circumstances,€reasonablyÏbelieved€that€she€was€entitled€to€operate€the€vehicle€at€theÏtime€and€place€of€the€accident.Ìà àà àFor€the€foregoing€reasons,€we€vacate€the€summaryÏjudgments€and€remand€for€further€proceedings€consistent€withÏthis€opinion.€€Ìà àà àThe€cost€of€the€appeal€is€assessed€one„half€to€eachÏplaintiff.ÌÌÓÓÌÌà àà àÌÌÌÌà àà àà àà àà àà à________________________Ìà àà àà àà àà àà àHerschel€P.€Franks,€J.ÌÌÌCONCUR:ÌÌÌÌÌÌ___________________________ÌHouston€M.€Goddard,€P.J.ÌÌÌÌÌÌ___________________________ÌWilliam€H.€Inman,€Sr.J.ÌÌ