WPC  e?"K3f^Ix! !r欕vđ/>iZ_cs1:|홒R9c`cGשGW ]]y](!ƧU^FAq:괯&iLEQQK371% *Q- 4Y|N[BK5J+VNJ=[ZLT'(?>'1樨?e~Ɖp9y6 T-LEOV-.*jx` `@E` 8ttxP/2 tߛj@  INTHECOURTOFAPPEALSOFTENNESSEE@(ATNASHVILLE XXԈ  PERMANENTGENERAL   8   )   ASSURANCECORPORATION, 8   )     0      8   ) Plaintiff/CounterDefendant/  ) zr   Appellant,     8   )  AppealNo. `X    0      8   )  01A019712CV00]2]7^2^0 F>  МVS.  0      8   ) ,$    0      8   )  DavidsonCircuit   МGILBERTWATERS,   8   )  No.96C1147   H!  #      0      8   ) Defendant/CounterPlaintiff,  )    0      8   )PEGGYRICHARDSON,   8   )  RODGERICKWATERS,   8   ) vn   0      8   ) Defendants/Appellees, 8   ) B:   0      8   )BEVERLYBATEY,     8   )    0      8   ) Defendant.     8   )  ̛̜@ APPEALEDFROMTHECIRCUITCOURTOFDAVIDSONCOUNTY@#ATNASHVILLE,TENNESSEE@ THEHONORABLEHAMILTONV.GAYDEN,JR.,JUDGE̜JOHNB.ALLYN301PlusParkBoulevard,Ste.10Nashville,Tennessee37217 AttorneyforPlaintiff/AppellantJOSEPHL.LACKEY,JR.1230FirstAmericanCenterNashville,Tennessee372381230 AttorneyforDefendants/Appellees̜ @||$REVERSEDANDREMANDED̜   0      8     BENH.CANTRELL  0      8     PRESIDINGJUDGE,M.S.̜CONCUR:KOCH,J.CAIN,J. lJXX@tt(OPINION XXlJԈ ;x4: Ї  0 Thiscaseinvolvesanexclusioninanautomobileliabilitypolicyforapersonoperatingtheautomobilewithoutareasonablebeliefthatthatpersonisentitledtodoso.TheCircuitCourtofDavidsonCountydismissedtheinsurancecompanysactionforadeclaratoryjudgment.Wereverse,anddeclarethattheexclusionprecludedcoveragebythecompany.@- I.      0 GilbertWatersowneda1989CadillacinsuredbyPermanentGeneralAssuranceCorporation.Theinsurancepolicycontainedanexclusionforanypersonusingthevehiclewithoutareasonablebeliefthatthatpersonwasentitledtodoso.  0 GilbertWatersson,RodgerickWaters,livedinthehousewithMr.andMrs.Waters.Rodgerickhadalearningdisability,anddespitebeingofdrivingage,hehadneverpassedthetestforadriverslicense.Mr.WaterswasteachingRodgericktodrivebyallowinghimtodrivetheautomobileinMr.Waterscompany.Mr.andMrs.WatershadbothissuedspecificorderstoRodgerickforbiddinghimtodriveeitheroftheircarsonhisown.OnoneprioroccasionRodgericktookhisfatherscarwithoutpermissionandwaspunishedfordisobeyingorders.  0 GilbertWatersworkedtheearlyshiftatMiddleTennesseeMentalHealthInstitute.OnDecember12,1995Mr.Watersreturnedhomefromworkbetween3:30and4:00p.m.InpreparingasnackhediscoveredthatthefamilyneededsomeitemsfromthegrocerystoreandmentionedthatfacttohissonRodgerick.HethenfollowedϜhisnormalroutineandlaydowntotakeanap.Whilehewasasleep,RodgericktookthekeystoMr.Waterscarandsomemoneyfromhiswalletanddrovetothegrocerystorewherehepurchasedtheneededitems.OnthewayhomehetookadetourandϜwasinvolvedinanaccident.Mr.Watersarrivedatthesceneshortlythereafter,andheinitiallytoldtheinvestigatingofficerthathehadbeendrivingthecar. d9\28 Ї@- II.     0 AnexclusionidenticaltotheoneinvolvedherewasupheldinOmaha (  Property&Cas.Co.v.Johnson,866S.W.2d539(Tenn.App.1993),andthevalidity  oftheexclusionhasnotbeenchallengedhereorinthecourtbelow.Theissue,then,boilsdowntoaquestionoffact.DidRodgerickWatersreasonablybelievehehadhisfatherspermissiontodrivethecarontheoccasionoftheaccident?  0 Thetrialjudgedidnotmakeafindingoffactonthatissue.Thecourtsorderrecitesthattheinsurancecompany hasnotcarrieditsburdenofproofandhasnotshowntotheCourtbyapreponderanceoftheevidenceitisentitledtoaDeclaratoryJudgment.Thecourtsoralpronouncementsintherecordtendtofollowthatsamereasoningandappeartoleavethequestionopenforafinaldeterminationbyajuryatthetrialoftheunderlyingtortaction.  0 EvenitwetookthetrialjudgesactionasafindingthatRodgerickWatershadareasonablebeliefthathehadMr.Waterspermissiontodrivethecar,weareconvincedthattheevidencepreponderatesagainstthatfinding.SeeRule H0@), 13(d),Tenn.R.App.Proc.  0 InUnitedServicesAutomobileAssoc.v.ContinentalIns.Co.(Tenn.Ct. 5.2 App.,filedinNashville,Dec.24,1985),weheldthatthe reasonablebelieflanguageintheexclusionrequiresatwopartfinding.Thefirstfindingissubjective:thatthe 926 driverdidinfactbelievethathehadtheownerspermission.Thesecondpartisobjective:thatthebeliefwasreasonable,basedupontheevidenceintherecord.See  alsoPhillipsv.Harding,No.89307II(Tenn.Ct.App.,filedinNashvilleFeb.16,   1990).  0 Weareoftheopinionthatalltheevidenceintherecordrequiresanegativeanswertothefirstquestion.Rodgerickhimselftestifiedthatheknewhedidnothavehisfatherspermissiontotakethecartothestore.Bothparentshadconsistentlyandforcefullyinstructedhimthathewasnottodrivethecarexceptwhenhisfathergavehimdrivinglessons.  0 Theappelleearguesthattheproofistoopat;thatRodgerickstestimonyonhowhewouldescapedetectionbygettingbackbeforehisfatherawokefromhisnapisbeliedbythefactthathemadethegrocerypurchasesandwouldhavebroughthometheproofnecessaryforhisownconviction.Rodgerickfirsttestifiedthathewouldhavehiddenthegroceries,andthenheadmittedthatthatcourseofactiondidnotmakemuchsense.ButtheinabilitytothinklogicallyisoneofRodgerickshandicaps.Whenwerecognizethatfact,histestimonyismoreVbelievableVWcompellingW.  0 Sincewehavefoundthatthefirstpartofthetest(abeliefonthedriverspartthathehadpermission)isnotpresentX,Xwedonothavetoexaminethereasonablenessofthebelief.  0 ThejudgmentofthecourtbelowisreversedY,YandajudgmentwillbeenteredheredeclaringthatRodgerickWaterswasnotcoveredbyhisfathersliability  704 policy.WeremandthecausetotheCircuitCourtofDavidsonCountyforanyfurther proceedingsthatmaybecomenecessary.Taxthecostsonappealtotheappellee.  0   0      8      @      H!  #   0      8   _____________________________  0      8   BENH.CANTRELL,  0      8   PRESIDINGJUDGE,M.S.CONCUR:_____________________________WILLIAMC.KOCH,JR.,JUDGE_____________________________WILLIAMB.CAIN,JUDGE̜_  8"0 _X  ќgXXC _@_\INTHECOURTOFAPPEALSOFTENNESSEE  @(ATNASHVILLE\ \XUXԈ  М̛̜PERMANENTGENERAL   8   )   ASSURANCECORPORATION, 8   )     0      8   ) Plaintiff/CounterDefendant/  ) |   Appellant,     8   )  AppealNo. l     0      8   )  01A019712CV00270 \  VS.  0      8   ) L    0      8   )  DavidsonCircuit <  GILBERTWATERS,   8   )  No.96C1147   H!  #  ,|    0      8   ) Defendant/CounterPlaintiff,  )  \   0      8   )Z  ReversedandZ L PEGGYRICHARDSON,   8   )[  Remanded[ < RODGERICKWATERS,   8   ) ,   0      8   ) Defendants/Appellees, 8   )     0      8   )BEVERLYBATEY,     8   )    0      8   ) Defendant.     8   ) | Л\YY\XXU @uu'JUDGMENT  \ XUX  0 Thiscausecameontobeheardupontherecordonappealfromthe  CircuitCourtofDavidsonCounty,briefsandargumentofcounsel;uponconsiderationwhereof,thisCourtisoftheopinionthatinthejudgmentofthetrialcourtthereisreversibleerror.  0 InaccordancewiththeopinionoftheCourtfiledherein,itis,therefore,orderedandadjudgedbythisCourtthatthejudgmentisreversed.ThecauseisremandedtotheCircuitCourtofDavidsonCountyforanyfurtherproceedingsnecessaryandforthecollectionofthecostsaccruedbelow.  0 Costsofthisappealaretaxedagainsttheappellees,forwhichexecutionmayissueifnecessary.\YY\  0      8 ______________________________________  0      8 BENH.CANTRELL,PRESIDINGJUDGE,M.S.  0      8 ______________________________________  0      8 WILLIAMC.KOCH,JR.,JUDGE  0      8 ______________________________________  0      8 WILLIAMB.CAIN,JUDGE̜\