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  5. 732 S.W.2d 69 (1987)
 

FIRST BANK & TRUST v. KRAEHNKE

No. 09 86 110 CV.

732 S.W.2d 69 (1987)

FIRST BANK AND TRUST OF GROVES, Texas, Appellant, v. Melvin KRAEHNKE, et al., Appellees. FIRST BANK AND TRUST OF GROVES, Texas, Appellant, v. SOUTHERN COUNTY MUTUAL INSURANCE COMPANY, R.O. Williams, Jr., R.O. Williams, Jr., d/b/a Colonial Surplus Underwriters Agency and R.O. Williams and Co., Inc., Norman Edwards, Norman Edwards d/b/a Colonial Surplus Underwriters Agency, and Colonial Surplus Underwriters Agency, Appellees.

Court of Appeals of Texas, Beaumont.

Rehearing Denied June 17, 1987.

Attorney(s) appearing for the Case

Frank M. Lamson, Provost, Umphrey, Swearingen & Eddins, Port Arthur, for appellant.

Gordon R. Pate, Pate & Dodson, Howard L. Close, Orgain, Bell & Tucker, Daniel D. Clayton, Harold J. Laine, Jr., Beaumont, for appellees.

OPINION

BROOKSHIRE, Justice.

Melvin Kraehnke had been in the trucking business, as an independent trucker, for about 5 years. He had bought a 1980 White autocar tractor costing $56,500.00. He paid $8,000.00 down and the balance was financed at First Bank and Trust of Groves. Initially, Kraehnke had collision and liability insurance through one Guidry, an insurance agent, whose office was in Port Arthur. The White autocar tractor was first used as a dump...

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