HARTFORD ACC. & INDEM. CO. v. INGRAM

No. 91.

226 S.E.2d 498 (1976)

290 N.C. 457

HARTFORD ACCIDENT & INDEMNITY COMPANY et al., Plaintiffs, v. John Randolph INGRAM, Commissioner of Insurance of the State of North Carolina, et al., Defendants. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY et al., Plaintiffs, v. John Randolph INGRAM, Commissioner of Insurance of the State of North Carolina, et al., Defendants.

Supreme Court of North Carolina.

July 14, 1976.


Attorney(s) appearing for the Case

Rufus L. Edmisten, Atty. Gen., by Isham B. Hudson, Jr., Asst. Atty. Gen., Raleigh, for John Randolph Ingram, Com'r of Insurance.

Arch T. Allen, Arch T. Allen, III and Thomas W. Steed, Jr., Allen, Steed & Pullen, P. A., Robert M. Clay and Paul F. Cranfill, Teague, Johnson, Patterson, Dilthey & Clay, Charles H. Young, George M. Teague and B. T. Henderson, Robert V. Bode and John T. Bode, Bode & Bode, P. A., Howard E. Manning and John B. McMillan, Manning, Fulton & Skinner, Raleigh, Beverly Moore, Miles Foy & O. Max Gardner III, Smith, Moore, Smith, Schell & Hunter, Greensboro, Wm. W. Taylor, Jr. and John Turner Williamson, Maupin, Taylor & Ellis, Raleigh, William L. Stocks, Jordan, Wright, Nichols, Caffrey & Hill, Greensboro, John R. Jordan, Jr. and Robert R. Price, Jordan, Morris & Hoke, Raleigh, William C. Lawton, Cockman, Akins & Aldridge, Raleigh, R. Mayne Albright, Raleigh, Charles P. Green, Jr., Raleigh, J. Melville Broughton and William G. Ross, Jr., Broughton, Broughton, McConnell & Boxley, P. A., Raleigh, Robert W. Spearman, Jr., J. Allen Adams and Charles C. Meeker, Sanford, Cannon, Adams, McCullough, Raleigh, for plaintiffs-appellees.

Bailey, Dixon, Wooten, McDonald & Fountain by J. Ruffin Bailey, and John F. Fountain, Raleigh, for Carolina Health Care Liability Reinsurance Exchange.


LAKE, Justice.

GS 58-72, not part of the Act of 1975 here in question, provides:

"Kinds of insurance authorized—The kinds of insurance which may be authorized in this State, subject to the other provisions of this Chapter, are set forth in the following paragraphs. Nothing herein contained shall require any insurer to insure every kind of risk which it is authorized to insure. * * * "(13) `Personal injury liability insurance...

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