The pleadings and other documents before us reveal the following: Auto-Owners, which maintains an underwriting and claims office in Brentwood, Tennessee, began providing commercial automobile liability coverage for Stoker in 1994, through the Dresden Insurance Agency in Dresden, Tennessee. The premiums and the policy were renewed yearly and paperwork frequently moved from the Dresden agency to the Auto-Owners office in Brentwood. The policy provided liability insurance on vehicles owned or leased by Stoker with each vehicle being assigned to a specific, identified driver who was a Stoker employee. In 1998, Honl, was added to the policy as the driver of a 1999 Chevrolet Venture minivan. While the van was licensed in Tennessee, Mr. Honl was a resident of Hot Springs, Arkansas, had an Arkansas driver's license, and would be driving the van exclusively within the 100 mile radius of his Arkansas home.
The documents presented indicate the following: Auto-Owners, which operates an underwriting and claims office in Brentwood, Tennessee, began offering commercial automobile liability coverage to Stoker in 1994 through the Dresden Insurance Agency in Dresden, Tennessee. The policy was renewed annually, with paperwork regularly exchanged between the Dresden agency and the Brentwood office. The coverage applied to vehicles owned or leased by Stoker, with each vehicle assigned to a specific Stoker employee as the designated driver. In 1998, Honl was added to the policy as the driver of a 1999 Chevrolet Venture minivan. Although the van was registered in Tennessee, Honl resided in Hot Springs, Arkansas, held an Arkansas driver's license, and operated the van exclusively within a 100-mile radius of his Arkansas home.
The documents presented indicate that Auto-Owners, which operates an underwriting and claims office in Brentwood, Tennessee, began offering commercial automobile liability coverage for Stoker in 1994 through the Dresden Insurance Agency located in Dresden, Tennessee. The policy and associated premiums were renewed annually, with paperwork frequently exchanged between the Dresden agency and the Brentwood office. This policy provided liability coverage for vehicles owned or leased by Stoker, designating specific drivers who were Stoker employees for each vehicle. In 1998, Honl was added as a driver for a 1999 Chevrolet Venture minivan. Although the van was registered in Tennessee, Mr. Honl resided in Hot Springs, Arkansas, held an Arkansas driver's license, and was set to drive the vehicle solely within a 100-mile radius of his home.
According to the documents filed, Auto-Owners, which has an underwriting and claims office in Brentwood, Tennessee, started providing commercial automobile liability coverage for Stoker in 1994 through the Dresden Insurance Agency in Dresden, Tennessee. The policy and its premiums were renewed each year, and documents were often sent between the Dresden office and the Brentwood office. This policy covered liability for Stoker owned or leased vehicles, and named Stoker employees as designated drivers for each vehicle. In 1998, Honl was added as a driver for a 1999 Chevrolet Venture minivan. While the van was registered in Tennessee, Mr. Honl lived in Hot Springs, Arkansas, had an Arkansas driver's license, and was scheduled to operate the vehicle only within 100 miles of his residence.
The papers show that Auto-Owners, a company that has an underwriting and claims office in Brentwood, Tennessee, started writing commercial automobile liability insurance for Stoker in 1994 through the Dresden Insurance Agency in Dresden, Tennessee. The policy and premiums were renewed yearly, and paperwork was often passed back and forth between the Dresden agency and the Brentwood office. This policy offered liability insurance for vehicles owned or leased by Stoker, and named specific drivers who were employees of Stoker for each vehicle. Honl was hired as a driver for a 1999 Chevrolet Venture minivan in 1998. The van was registered in Tennessee, Mr. Honl lived in Hot Springs, Arkansas, had an Arkansas driver's license, and was going to drive the vehicle only within a 100-mile radius of his home.