ÿWPCë  ¦_ i%ùöã.‡3,/t¾óžI]^d½§:AH±x¥x9ÙŒÈi†TD€¬Å`ÿj>‡«™)ŇÜÕ¦B®¦KHIÚÖ@Fôy+Ÿ½Ž”qŸ7¿Dq5¶ Õ'vÙ<*ÅëGº,°wÕºšVèg,Åg>5ÃòÇâYÉÙÚï•@Ÿ÷‚6Œ]v°â£ô‚ìêÈ\Ü@Ãi1eB¸MxÍõÑ€§á§ž¦6pŽBi¥˜„£"*À[y3 <ÌE«åÒDÿšqÆaõNþúö«ÿ»*š| 9«?¡‹og"» ô5¯„’¬fÐþ³’è/j‡ :24'[uÿj#sº×ö~?üÛÄ´Dd¸"«qìʹÒ™ïþ󱤄§š$·R‡’vÈÚ¯†¤›\âô ½¢xq[«‚ƒF`ŠÆÜº>LäúŸ’‘Tr’—AŽTÃgà c;H-Ð\˼Yf¦€dPmÚàí—OV”Õâ>IÞ,#*Ž{€1¥j’ŽT'ZÇ1ô‹ön}µ¨Üó'åÜs!§·U+͈oq¥2…y;»® †BÇxýÎÆ²òüp-£yèª1½®Ý–P •³f§³B<í 0jZ؈ú.C”›EΫþ—Ê/Ð… µöëP\!)# >UNI %— 0(Åw@Í4 !0U:222222222222222222222 AQlƽ 0Dƒ 0DÇ 0D D/O B~ B› D3¸ ˜HP LaserJet 4SiHPPCL5MS,ü,,,,,ü0nLNÎ(ÈhH  Z ‹6Times New Roman RegularX($¡¡ X Y Z£[\]^U_P`Ó€jn~<$3|xj øÝ ƒ!¯"ÝÝ  ÝÔ€ XXXXÔÔ€ fX XÔÓ  Óò òÔ Ad ÔFILEDÔ€ XX fÔÐ  ÐÌJuly€13,€1999ÌÌCecil€Crowson,€Jr.ÌAppellate€Court€ClerkÔdAhÔó ó,c½¬AZ‹"Arial Regular !"#%Cþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5(3¯$¢¢Ý ƒ!ÝÝ  Ý(3¯$££Ý ƒ!ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó'''÷ÿ dxd düÿP Pd&&&&'ÿÿdxdÝ ƒ!ÝÝ  Ýñ`ñ›ñ`ñÑTR[  AØ'ÿ Legal3Ø' AØ'ÿ Legalÿ3Ø'TÑÓ'°,X°À”X°œX'Óò òñjññ`ñßr€ (<,(j 8` `€€@Eȱ` 8ttxP°ð  rßñ`ññjññjññjññjññ`ñ›ñ`ññjññjññjññjñ›ñjññjñßt€ (>.*jx7K` `€€@Eÿû` 8ttxP7°u K tß›ñjñà@O O ìàIN€THE€COURT€OF€APPEALS€OF€TENNESSEE,€ˆÌà@kk%ìàAT€JACKSONó óˆÐ œì ÐÌà@. . ìà_______________________________________________________ˆÌÌà À à)Ìò òINTEGON€INDEMNITY€ó óà À à)à  àShelby€County€Chancery€CourtÐ 8 ˆ Ðò òCORPORATIONó ó,à À à)à  àNo.€108770„1€R.D.Ð ( x Ðà À à)Ì€€€€€Plaintiff/Appellant.à À à)Ð  T  Ðà À à)ÌVS.à À à)à  àC.A.€No.€02A01„9812„CH„00382Ð Ü,  Ðà À à)Ìò òSANDRA€FLANAGAN€andó óà À à)Ð ´  Ðò òSHON€FLANAGANó ó,à À à)Ð ¤ô  Ðà À à)Ì€€€€€Defendants/Appellees.à À à)Ð €Ð Ðà À à)Ì______________________________________________________________________________ÌÌFrom€the€Chancery€Court€of€Shelby€County€at€Memphis.Ìò òHonorable€Walter€L.€Evans,€Chancellor€ó óÐ l ÐÌÌÌò òMichael€D.€Herrinó ó,€Ð Ì ÐLESS,€GETZ€&€LIPMAN,€Memphis,€TennesseeÌAttorney€for€Plaintiff/Appellant.ÌÌÌò òJeffrey€Jonesó ó,€Memphis,€TennesseeÐ l ¼ ÐAttorney€for€Defendants/Appellees.ÌÌÌÌOPINION€FILED:ÌÌò òVACATED€AND€REMANDEDó óÐ ä&4"% ÐÌÌà À àò òFARMER,€J.ó óÐ ¨)ø$( ÐÌò òCRAWFORD,€P.J.,€W.S.ó ó:€(Concurs)Ð €+Ð&* Ðò òHIGHERS,€J.ó ó:€œ(Concurs)Ð p,À'+ ÐÌÌÌÌÌÌÌÌÌÌÌÌÌÌÌÐ 4;„6; Ðñ`ñ›ñ`ññWññVñÓ3°,X°` À”X°,X°À”X3ÓñVññWññXññWñÓ6°,X°` ¸ À”X°,X°À”X6ÓñWññXññYññXñÓ6°,X°` ‚XÀ”X°,X°À”X6ÓñXññYññYñÓ0°,X°` ˜X°,X°À”X0ÓñYññZñÓ  ÓñZññ[ñÓÓñ[ñà ` àPlaintiff€Integon€Indemnity€Corporation€appeals€the€trial€courtððs€judgment€whichÏdismissed€Integonððs€complaint€for€declaratory€relief€and€which€ruled€that€Defendants/AppelleesÏSandra€and€Shon€Flanagan€were€insured€persons€under€the€uninsured€motorist€provisions€of€theÏautomobile€liability€insurance€policy€issued€by€Integon€to€the€Flanagans.€€We€vacate€the€trial€courtððsÏjudgment€based€upon€our€conclusion€that€the€court€erred€in€failing€to€conduct€a€trial€to€determine€theÏdispositive€issue€in€this€case.ÌÌà ` àIn€July€1994,€Sandra€and€Shon€Flanagan€were€involved€in€a€motor€vehicle€accidentÏon€Jackson€Avenue€in€Memphis.€€At€the€time€of€the€accident,€Shon€Flanagan€was€operating€a€1978ÏHonda€Goldwing€motorcycle€and€Sandra€Flanagan€was€a€passenger€on€the€vehicle.€€The€FlanagansÏsubsequently€filed€a€lawsuit€against€both€the€owner€and€the€operator€of€the€automobile€with€whichÏthey€collided.€€In€the€Flanagansðð€complaint€filed€in€that€action,€Sandra€Flanagan€sought€to€recoverÏthe€sum€of€$250,000€for€her€personal€injuries.€€Shon€Flanagan€sought€to€recover€the€sum€of€$50,000Ïfor€his€loss€of€consortium€claim€and€for€ð ðproperty€damage€to€his€vehicle.ðð€€The€Flanagans€caused€aÏcopy€of€the€complaint€and€a€summons€to€be€served€on€their€uninsured€motorist€insurance€carrier,ÏIntegon€Indemnity€Corporation.€€ÌÌà ` àIntegon€then€filed€this€complaint€for€declaratory€relief€against€the€Flanagans€in€whichÏit€sought€a€declaration€that€the€Flanagans€were€not€entitled€to€uninsured€motorist€coverage€under€theÏterms€of€Integonððs€policy.€€In€support€of€its€complaint,€Integon€cited€the€following€policy€exclusion:ÌÌñ\ñÓÓñ\ñà8 ` àA.à ¸ àWe€do€not€provide€Uninsured€Motorists€Coverage€forÐ h+¸&* Ðò òproperty€damageó ó€or€bodily€injury€sustained€by€any€person:ÐT,¤'+` x` x ÐÌà8 ` àà0¸ ` x` xà(1)à  àWhile€ò òoccupyingó ó,€or€when€struck€by,€any€motorÐ 0.€)- Ðvehicle€owned€by€you€or€any€ò òfamily€memberó ó€which€is€notÐ  /p*. Ðinsured€for€this€coverage€under€this€policy....€€Ð ¸ x¸ x ÐÌñ[ñÓÓñ[ñÌñ]ñÓÓñ]ñThe€policy€issued€by€Integon€insured€only€the€Flanagansðð€1976€Ford€automobile.€€Citing€theÏforegoing€policy€exclusion,€Integon€contended€that€the€Flanagans€were€not€entitled€to€uninsuredÏmotorist€coverage€under€the€terms€of€the€policy€because€Shon€Flanagan€owned€the€1978€HondaÏGoldwing€motorcycle€involved€in€the€subject€accident€and€the€motorcycle€was€not€insured€forÏcoverage€under€the€policy.Ð 4:„5: Їà ` àDuring€opening€statements€at€the€October€1998€trial,€Integonððs€counsel€stated€hisÏintention€to€present€the€following€evidence€of€Shon€Flanaganððs€ownership€of€the€motorcycle.€ÏIntegon€planned€to€introduce€the€videotaped€deposition€of€Charlotte€Tackash,€who€would€testify€thatÏshe€sold€the€motorcycle€to€Shon€Flanagan€for€the€sum€of€$500.€€Tackashððs€husband€owned€theÏmotorcycle,€but€he€had€executed€a€power€of€attorney€which€authorized€Tackash€to€sell€theÏmotorcycle.€€The€subject€accident€occurred€within€one€or€two€days€after€the€sale€of€the€motorcycle.€ÏAlthough€Shon€Flanagan€subsequently€denied€ownership€of€the€motorcycle,€the€motorcycle€remainedÏin€his€possession€at€the€time€of€trial.€€ÌÌà ` àThe€Flanagans€raised€two€defenses€to€Integonððs€complaint€for€declaratory€relief.€ÏAsserting€that€Shon€Flanagan€was€merely€test„driving€the€vehicle€when€the€accident€occurred,€theÏFlanagans€first€denied€that€Charlotte€Tackash€sold€the€motorcycle€to€Shon€Flanagan.€€Alternatively,Ïthe€Flanagans€challenged€Charlotte€Tackashððs€authority€to€sell€her€husbandððs€motorcycle.€€ÌÌà ` àUpon€questioning€by€the€trial€court,€Integonððs€counsel€stipulated€that€he€would€beÏunable€to€produce€any€written€documents€verifying€the€existence€of€the€power€of€attorney€executedÏby€Tackashððs€husband.€€He€explained€that€Tackashððs€deposition€testimony€would€indicate€that€sheÏcould€not€locate€the€written€power€of€attorney€and€that€she€had€not€seen€it€since€the€TackashesÏmoved.€€Integonððs€counsel€also€stipulated€that,€at€the€time€of€the€accident,€title€to€the€motorcycleÏremained€in€the€name€of€Tackashððs€husband.ÌÌà ` àAlthough€Integonððs€counsel€stipulated€to€the€foregoing€facts€during€openingÏstatements,€he€objected€to€the€trial€court€deciding€the€case€based€upon€the€stipulations€alone,€and€heÏasserted€his€right€to€present€evidence:ÌÌÓÓà8 ` àà ¸ àMR.€FRICK€[INTEGONððS€COUNSEL]:€€Is€the€Court€tellingÏme€I€canððt€show€that€[a€videotape€of€Charlotte€Tackashððs€deposition],Ïput€that€into€evidence?€€The€problem€that€Iððm€concerned€about€is€thatÏI€have€evidence€that€Iððm€not€being€allowed€to€put€in.Ð ` x` x ÐÌà8 ` àà ¸ àTHE€COURT:€€Well,€what€evidence€are€you€not€beingÏallowed€to€put€in?Ð ` x` x ÐÌà8 ` àà ¸ àMR.€FRICK:€€[Charlotte€Tackashððs]€videotaped€depositionÏtestimony.Ð