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VOYAGER LIFE INS. CO. v. HUGHES

1000835, 1000863, and 1000876.

841 So.2d 1216 (2001)

VOYAGER LIFE INSURANCE COMPANY v. Ada HUGHES et al. Industrial Credit Corporation v. Ada Hughes and Dannie Hall. Wayne Reynolds et al. v. Ada Hughes et al.

Supreme Court of Alabama.

As Modified on Denial of Rehearing June 21, 2002.

Attorney(s) appearing for the Case

Michael L. Bell and William H. King III of Lightfoot, Franklin & White, L.L.C., Birmingham; and Farrokh Jhabvala of Jorden Burt, L.L.P., Miami, Florida, for appellant Voyager Life Insurance Company.

Bruce F. Rogers and James W. Davis of Bainbridge, Mims, Rogers & Smith, L.L.P., Birmingham, for appellant Industrial Credit Corporation.

Charles P. Gaines and Mark A. Rasco of Gaines, Gaines & Rasco, P.C., Talladega, for appellants Wayne Reynolds, Alice Ann Rodgers, and Elizabeth Christy.

Lloyd W. Gathings II and Misha Y. Mullins of Gathings, Kennedy & Associates, Birmingham; Betty C. Love and Huel M. Love of Love, Love & Love, P.C., Talladega; Harvey B. Campbell, Jr., of Campbell & Campbell, Talladega; and Donald W. Lang, Talladega, for appellees Ada Hughes and Dannie Hall.

PER CURIAM.

These appeals are from the denial of motions to compel arbitration of disputes arising out of insurance agreements and small loan agreements. We affirm in part, reverse in part, and remand.

I. Background

A. Litigation

On April 8, 1996, Ada Hughes, who was unemployed and disabled, sued Voyager Life Insurance Company ("Voyager"), Industrial Credit Corporation ("ICC"), and Wayne Reynolds and other individual defendants...

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