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GEORGE v. EMPIRE FIRE & MARINE INS. CO.

No. 25278.

344 S.C. 582 (2001)

545 S.E.2d 500

Ernest GEORGE, Personal Representative of the Estate of Kate George and Marvelyn Ernette George, Petitioner, v. EMPIRE FIRE AND MARINE INSURANCE COMPANY, W. Gene Whetsell, Personal Representative of the Estate of Angela Farmer, and John Shields Autos, Inc., Defendants, of whom W. Gene Whetsell, Personal Representative of the Estate of Angela Farmer, and John Shields Autos, Inc. are Petitioners, and Empire Fire and Marine Insurance Company is Respondent, v. Ken Rickel and Williams and Stazzone Insurance Agency, Third-Party Defendants.

Supreme Court of South Carolina.

Decided April 9, 2001.

Attorney(s) appearing for the Case

Gedney M. Howe, III, and Alvin Hammer, both of Charleston, for petitioner Ernest George.

Gaines W. Smith, of Legare, Hare & Smith, of Charleston, for petitioner John Shields Autos, Inc.

Robert J. Wyndham, of Howe & Wyndham, of Charleston, for petitioner W. Gene Whetsell.

James E. Reeves, of Barnwell, Whaley, Patterson & Helms, and Thomas J. Wills, of Wills & Massalon, both of Charleston, for respondent Empire Fire & Marine Insurance Company.

Matthew Story, of Clawson & Staubes, of Charleston, for third-party defendants.

ON WRIT OF CERTIORARI TO THE COURT OF APPEALS

WALLER, Justice:

We granted a writ of certiorari to review the Court of Appeals' opinion in George v. Empire Fire and Marine Ins. Co., 336 S.C. 206, 519 S.E.2d 107 (Ct.App.1999). We reverse.

FACTS

Petitioner John Shields Autos, Inc. (Shields Auto), a used car dealership, loaned its customer, Angela Farmer, a car to use...

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