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BEDDARD v. McDANIEL

No. COA06-1039.

645 S.E.2d 153 (2007)

Franklin Roosevelt BEDDARD a/k/a Roosevelt Beddard and Lois Edward Beddard, Plaintiffs, v. Melissa Laurin McDANIEL, Jonathan Mark Cook, and Universal Underwriters Insurance Company, Defendants.

Court of Appeals of North Carolina.

June 5, 2007.

Attorney(s) appearing for the Case

The Barber Law Firm, P.A., by Timothy C. Barber, Greenville, for plaintiffs-appellees.

Wallace, Morris, Barwick, Landis & Stroud, P.A., by P.C. Barwick, Jr. and Kimberly Connor Benton, Kinston, for defendants-appellants.

WYNN, Judge.

In North Carolina, insurance coverage for damages caused by uninsured and underinsured motorists "follows the person, not the vehicle,"1 such that an "owned vehicle" exclusion will not apply if the individuals injured in a collision are the named insureds in the policy.2 Here, we find that the plaintiffs were the "named insureds" and therefore conclude...

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