ÿWPCm  —i%ºÖvÈ}Ah—'Ãwöf3þá;§PÇŒ&o¥”¡¡N~ƺG­WjBÇôœú˜,AŠá=DÁŒTq„¥lüGÝ?´„úÜ¡|½|o¿Áè„•÷«y¨©ã `ò×&M§ÄÓ¹Š`àâÝü¯D<½¼Hðü3¢ïà¢OµG"åTíµgƒO~ˆ4EÆ® ŠDb†÷©éV¦}vi£lÐ#Þ4sû* ø7'éÍXÌÐ7ùš—Ⱦÿ©M+¹S­ é¿­oç(ÈÈ3㨺Èi}¯ëìmý‡L»xA ýhdÁ{„;¨ý<%ºbªÚ“ ]f¿Búóë;x<¶1§o Îõ­»ºUcû>£N¶qçJÛL0ŸÓDoÔÊHÆù¿§uÉŒÝÂH[ìÎ: <öS¥ß›nÚãh0"’‹"®”‰vØž’ÿD©­ ´f€ÏØ!,ŠYMmzÇF£QÄßdž¥Ã4z[P"bœ«‰ÉRÝâOGÉñ—Yèk ­x8u0’ÁàÀÚd @?Ê’”xá¡1ýßè²M·?Wã4éÔ[ìvÓšïR6°‰#+ý—±4²Ç•6—BPa“usÇuDÔ鸙AêFJ ö›z\=®¯6±®ª;•íÓ0L)# >UNI %— 0(w@Å4)(U:Q)‹U:´´´´´´´´´´´´´´´´´´´´ AQîÆ? 0D 0DI 0D D/Ñ B B D3: ˜HP LaserJet 4SiHPPCL5MS,ü,,,,,ü0nLlÎ(ÈhH  Z ‹6Times New Roman RegularX($¡¡ ˠ̠͠ΠϣÐÑÒÓ€Þán~<$3|xá Ý ƒ!¯"ÝÝ  ÝÔ€ XžXXXÔÔ€ ÁbX XžÔÓ  ÓÔ Ad ÔFILEDÔ€ XžX ÁbÔÐ  ÐÌò òDecember€21,€1998Ð šš ÐÌCecil€Crowson,€Jr.ÌÔ€ ôŽºôX XžÔAppellate€Court€Clerkó ó,c½¬AZ‹"Arial Regular Ý ƒ!¯"ÝÝ  ÝÔ€ XžXXXÔÔ€ ÁbX XžÔÓ  ÓÔ Ad ÔFILEDÔ€ XžX ÁbÔÐ  ÐÌò òDecember€18,€1998Ð šš ÐÌCecil€Crowson,€Jr.ÌÔ€ ôŽºôX XžÔAppellate€Court€Clerkó ó,c½¬AZ‹"Arial Regular !"#%Cþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5(3¯$¢¢Ý ƒ!ÝÝ  Ý(3¯$££Ý ƒ!ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó'''÷ÿ dxd düÿP Pd&&&&'ÿÿdxdÝ ƒ!ÝÝ  ÝÑTR[  AØ'ÿ Legal3Ø' AØ'ÿ Legalÿ3Ø'TÑÓ'°,X°À”X°œX'Óò òñÞññÒñßr€(<,(j 8` `€€@Eȱ` ttx$°ð ÕrßñÒññÞññáññÞñßr€ (<,(j 8` `€€@Eȱ` ttx$°ð ÕrßñÞññáññáññáñà@O O ìàIN€THE€COURT€OF€APPEALS€OF€TENNESSEE,€ˆÌñáñßt€ (>.*jx/` `€€@E÷±` ttx$/œð étßñáñà@kk%ìàAT€JACKSONó óˆÐ œì ÐÌà@. . ìà_______________________________________________________ˆÌÌà À à)Ìò òJOHN€HOGINSó ó,à À à)à  àHardeman€County€Circuit€CourtÐ 8 ˆ Ðà À à)à  àNo.€8708Ð ( x Ѐ€€€€Plaintiff,à À à)Ð  d Ðà À à)Ìò òAndó óà À à)à  àC.A.€No.€02A01„9804„CV„00102Ð ì <  Ðà À à)Ìò òTENNESSEE€INSURANCE€à À àó ó)Ð È  Ðò òGUARANTY€ASSOCIATIONó ó,à À à)Ð ¸  Ðà À à)Ì€€€€€Intervening€Plaintiff/Appellant,à À à)Ð ”ä  Ðà À à)ÌVS.à À à)Ð l¼ Ðà À à)Ìò òTONY€ANDREW€ROSS,€WARNERó óà À à)Ð D” Ðò òROSS€and€UNITED€STATES€FIDELITYó ó€)Ð 4„ Ðò ò&€GUARANTY€COMPANYó ó,à À à)Ð $t Ðà À à)Ì€€€€€Defendants/Appellees.à À à)Ð P Ð______________________________________________________________________________ÌÌFrom€the€Circuit€Court€of€Hardeman€County€at€SavannahÌò òHonorable€Jon€Kerry€Blackwood,€Judge€ó óÐ ° ÐÌÌò òWilliam€D.€Leader,€Jr.ó ó,Ð t Ä Ðò òJulie€C.€Murphyó ó,Ð d!´ ÐBOULT,€CUMMINGS,€CONNERS€&€BERRY,€PLC,€Nashville,€TennesseeÌò òJef€Feibelmanó ó,Ð @#! Ðò òMelissa€A.€Maravichó ó,Ð 0$€" ÐBURCH,€PORTER€&€JOHNSON,€Memphis,€Tennessee€ÌAttorneys€for€Intervening€Plaintiff/Appellant€Tennessee€Insurance€Guaranaty€Association.ÌÌÌò òJames€A.€Hopperó ó,€HOPPER€&€PLUNK,€Savannah,€TennesseeÐ Ð( $' ÐAttorney€for€Defendant/Appellee€United€States€Fidelity€&€Guaranty€Company.ÌÌò òJohn€Knox€Walkupó ó,€Attorney€General€&€ReporterÐ ˜+è&* Ðò òMichael€E.€Mooreó ó,€Solicitor€GeneralÐ ˆ,Ø'+ Ðò òSarah€A.€Hiestandó ó,€Senior€CounselÐ x-È(, ÐFor€Tennessee€Department€of€Commerce€and€InsuranceÌÌOPINION€FILED:ÌÌò òREVERSED€AND€REMANDEDó óÐ 2h-1 ÐÌÌà À àò òFARMER,€J.ó óÐ Ü4,04 ÐÌò òCRAWFORD,€P.J.,€W.S.ó ó:€(Concurs)Ð ´626 Ðò òHIGHERS,€J.ó ó:€(Concurs)Ð ¤7ô27 ÐÌÌÌÐ X;¨6; ÐñÊññÌññËñÓ3°,X°` À”X°,X°À”X3ÓñËññÌññÍññÌñÓ6°,X°` ¸ À”X°,X°À”X6ÓñÌññÍññÎññÍñÓ6°,X°` ‚XÀ”X°,X°À”X6ÓñÍññÎññÎñÓ0°,X°` ˜X°,X°À”X0ÓñÎññÏñÓ  ÓñÏññÐñÓÓñÐññÑñà ` àTennessee€Insurance€Guaranty€Association(TIGA),€the€intervening€plaintiff€in€thisÏaction,€appeals€the€trial€courtððs€order€entering€summary€judgment€in€favor€of€Defendant/AppelleeÏUnited€States€Fidelity&€Guaranty€Company(USF&G).€€We€reverse€the€trial€courtððs€judgment€basedÏon€our€conclusion€that€the€court€erred€in€ruling€that€USF&Gððs€policy€did€not€provide€uninsuredÏmotorist€coverage€to€Plaintiff€John€Hogins.ÌÌà ` àOn€August2,€1994,€John€Hogins€was€involved€in€a€motor€vehicle€accident€when€hisÏJeep€collided€with€a€vehicle€which€was€driven€by€Defendant€Tony€Andrew€Ross€and€owned€byÏDefendant€Warner€Ross.€€At€the€time€of€the€accident,€Hogins€was€covered€by€an€automobile€liabilityÏinsurance€policy€issued€by€USF&G€which,€as€pertinent€to€this€appeal,€contained€the€followingÏdefinition€of€ð ðuninsured€motor€vehicle:ððÌÌÓÓà8 ` àC.à0¸ ` x` xàð ðUninsured€motor€vehicleðð€means€a€land€motor€vehicle€orÐ Ð  ÐÔ& Ä Ôtrailer€of€any€type:Ð ¸ x¸ x ÐÌà8 ` àà0¸ ` x` xà....Ô'ļ6ÔÐ ¸ x¸ x ÐÌà8 ` àà0¸ ` x` xà4.à0¸ x¸ xàTo€which€a€bodily€injury€liability€bond€or€policyÐ l¼ Ðapplies€at€the€time€of€the€accident€but€the€bonding€orÏÔ& Ä Ôinsuring€company;Ð xx ÐÌà8 ` àà0¸ ` x` xàà0¸ x¸ xà....Ô'ÄD!sÔÐ xx ÐÌà8 ` àà0¸ ` x` xàà0¸ x¸ xàb.à0hxxàis€or€becomes€insolvent.€€Ðô$D #hxhx ÐÌÓÓÌà ` àHogins€timely€sued€the€Rosses€for€the€injuries€he€allegedly€suffered€as€a€result€of€theÏaccident.€€In€December€1996,€however,€while€this€lawsuit€was€pending,€the€Rossesðð€automobileÏliability€insurance€carrier,€Coronet€Insurance€Company,€was€found€to€be€insolvent€by€an€Illinois€stateÏcourt.€€As€required€by€the€Tennessee€Insurance€Guaranty€Association€Act,€TIGA€subsequentlyÏassumed€the€responsibilities€of€Coronet€in€this€lawsuit€to€the€extent€of€its€obligation€on€ð ðcoveredÏclaims,ðð€as€defined€by€the€Act.€€ò òòòSeeó óóó€T.C.A.€ðððð56-12-104,€-107€(1994).Ð Ü1,-1 ÐÌà ` àAlthough€TIGA€assumed€Coronetððs€rights€and€duties€to€the€extent€of€its€obligationÏon€covered€claims,€the€Act€required€Hogins€first€to€exhaust€his€right€to€coverage€under€his€USF&GÏpolicy.€€ò òòòSeeó óóó€T.C.A.€ðð56-12-111€(1994).€€Accordingly,€Hogins€was€required€to€seek€coverage€underÐ <9Œ49 Ðthe€uninsured€motorist€provisions€of€the€USF&G€policy€before€he€could€recover€from€TIGA€for€anyÐ ;d6; Ðcovered€claims.ÌÌà ` àIn€July€1997,€USF&G€filed€a€motion€for€summary€judgment,€contending€that€theÏuninsured€motorist€provisions€of€its€policy€provided€no€coverage€to€Hogins€because€Coronet€wasÏfound€to€be€insolvent€more€than€one€year€after€the€August€1994€accident.€€In€support€of€thisÏargument,€USF&G€relied€upon€the€following€statutory€provision:ÌÌÓÓà8 ` àà ¸ àò ò56-7-1203.€€Insolvency€protection€limitation„„€MoreÐ Ð  Ðfavorable€protection€not€precluded.„„ó ó€An€insurerððs€insolvencyÐ À Ðprotection€shall€be€applicable€only€to€accidents€occurring€during€aÏpolicy€period€in€which€its€insuredððs€uninsured€motorist€coverage€is€inÏeffect€òòò òwhere€the€liability€insurer€of€the€tort„feasor€becomesÐ à Ðinsolvent€within€one(1)€year€after€such€an€accidentó óóó.€€Nothing€hereinÐ €Ð Ðcontained€shall€be€construed€to€prevent€any€insurer€from€affordingÏinsolvency€protection€under€terms€and€conditions€more€favorable€toÏits€insureds€than€is€provided€hereunder.Ð ` x` x ÐÌÓÓÌT.C.A.€ðð56-7-1203€(1994)€(emphasis€added).€€Citing€the€same€statutory€provision,€TIGA€alsoÏmoved€for€summary€judgment,€contending€that€it€was€entitled€to€a€judgment€as€a€matter€of€law€onÏthe€issue€of€whether€the€statuteððs€minimum€time€limit€for€insurers€to€provide€insolvency€protectionÏwas€incorporated€into€the€uninsured€motorist€provisions€of€USF&Gððs€automobile€liability€insuranceÏpolicy.€€ÌÌà ` àAfter€conducting€a€hearing,€the€trial€court€granted€USF&Gððs€motion€for€summaryÏjudgment€and€denied€TIGAððs€motion.€€The€trial€court€ruled€thatÌÌÓÓà8 ` àpursuant€to€the€provisions€of€[T.C.A.]€ðð56-7-1203,€the€automobileÏliability€insurance€policy€issued€to€the€Plaintiff,€John€Hogins,€byÏ[USF&G]€does€not€provide€uninsured/underinsured€motoristsÏcoverage€to€John€Hogins€for€injuries€received€in€the€accident€ofÏAugust2,€1994€because€Coronet€Insurance€Company,€the€individualÏdefendantsðð€automobile€liability€insurance€carrier,€was€declaredÏinsolvent€more€than€one€year€following€the€accident€forming€the€basisÏof€this€lawsuit.€€Ð ` x` x ÐÌÓÓÌThe€trial€court€dismissed€with€prejudice€all€claims€against€USF&G€and€directed€the€entry€of€a€finalÏjudgment€as€to€USF&G.€€ò òòòSeeó óóó€T.R.C.P.€54.02.Ð  :p59 ÐÐ