Hays v. Georgia Farm Bureau Mutual Insurance Co.

How courts have described this case

Verbatim parenthetical descriptions written by other courts when citing this decision. Ranked by citation-network relevance.

• explaining that, under Georgia law, parties to an insurance policy are bound by its plain and unambiguous terms
• holding that the motor vehicle exclusion provision of a homeowner’s insurance policy barred coverage to a plaintiff who was injured on the defendant’s property while attempting to hoist a portable toilet onto a deer stand using a pulley system connected to the defendant’s truck
• “Claims arise out of [t]he excluded conduct when but for that conduct, there could be no claim against the insured.” (quotations omitted)
• “Claims arise out of [t]he excluded conduct when ‘but for’ that conduct, there could be no claim against the insured.” (internal quotation marks omitted)
• homeowner’s insurance policy provided that coverage “did not apply to bodily injury arising out of the ownership, maintenance, use, loading or unloading of motor vehicles owned or operated by or rented or loaned to [the insured]”
• homeowner’s insurance policy provided that coverage “did not apply to bodily injury arising out of the ownership, maintenance, use, loading or unloading of motor vehicles owned or operated by or rented or loaned to [the insured]”

Source: CourtListener parenthetical corpus (CC0).