Lennisha Johnson appeals the trial court’s order granting summary judgment to Bristol West Insurance Company, challenging the court’s conclusion that the insurance policy issued by Bristol West to Johnson’s father did not provide uninsured motorist coverage for injuries she sustained in a 2010 automobile accident. We conclude that Johnson was not an insured person under the policy at the time of the accident and therefore affirm.
In order to prevail on a motion for summary judgment under OCGA § 9-11-56, the moving party must show that there exists no genuine issue of material fact, and that the undisputed facts, viewed in the light most favorable to the nonmoving party, demand judgment as a matter of law. Moreover, on appeal from the denial or grant of summary judgment, the appellate court is to conduct a de novo review of the evidence to determine whether there exists a genuine issue of material fact, and whether the undisputed facts,*60 viewed in the light most favorable to the nonmoving party, warrant judgment as a matter of law.
(Citation and punctuation omitted.) Weller v. Blake,
Viewed in the light most favorable to Johnson, the facts showed that Johnson was born in Memphis, Tennessee in August 1987 and lived at the same address from the time she was three years old until she graduated from high school. Johnson went to Tallahassee Community College in Florida for 2005 and 2006 and then to Coffeyville Community College in Kansas for one year. Next, Johnson returned to her parents’ house in Memphis and attended Southwest Community College for one semester. In August 2007, Johnson moved to Georgia to attend Kennesaw State University, where she received a basketball scholarship.
Johnson lived on campus for her first two years at Kennesaw State, and returned to Memphis for the summer of 2008. In the fall of 2009, Johnson moved to an off-campus apartment in Kennesaw, Georgia, where she lived alone. Her father bought her a car, which was registered in her name. She later obtained car insurance with GEICO in Georgia. Johnson obtained a Georgia driver’s license in July 2009, but her car remained registered in Tennessee because she was not able to register it in Georgia. She worked for Murphy Oil in Kennesaw during the summer of 2009 and did not return to Tennessee, except to visit. Johnson testified that the last time she lived in Tennessee was prior to April 2009, but submitted an affidavit in which she stated that she returned home regularly for weekends, school breaks, and holidays. After the accident, however, Johnson submitted an application to Kennesaw State in which she certified that she had continuously resided in Georgia from August 15, 2007 to March 17, 2011.
While she attended Kennesaw State, Johnson’s parents continued to pay some of her expenses that were not covered by the scholarship. Johnson filed tax returns in Georgia for 2009 and 2010. Her parents claimed her as a dependent on their tax returns up until 2010. She registered to vote in high school in Tennessee, but has never voted.
On January 30,2010, Johnson was a passenger in a car driven by a friend when they were hit by a car driven by Derrick Bartley. Johnson suffered injuries to her arm, leg, and eye, which required multiple surgeries, and incurred medical expenses in excess of $190,000. She sued Bartley to recover for her injuries.
Bristol West denied Johnson’s claim under the personal automobile policy issued to her father because she had been removed from the policy prior to the accident and she was not otherwise covered as a resident of her father’s household at the time of the accident. The parties filed cross-motions for summary judgment on the coverage issue. After conducting a hearing, the trial court granted Bristol West’s motion. Applying Tennessee law, the trial court concluded that Johnson was not covered under the Bristol West policy because she was not “actually living” in her father’s household and was therefore not an “insured person” as defined by the policy.
1. The parties correctly stipulate that Tennessee law governs the construction of the policy because the insurance contract was made and delivered to Johnson’s father in Tennessee. Geico Gen. Ins. Co. v. Wright,
The policy provides uninsured motorist coverage as follows:
PART C — UNINSURED MOTORIST COVERAGE
INSURING AGREEMENT
Subject to the limits of liability, if “you” pay “us” the premium when due for Uninsured Motorist coverage: “We” will pay compensatory damages an “insured person” is legally obligated to recover from the owner or operator of an “uninsured motor vehicle” [2 ] because of
A. “Bodily injury” sustained by an “insured person” and caused by an “accident” if the “Declarations” indicates that Uninsured Motorists “Bodily Injury” Coverage applies; and
B. “Property Damage” sustained by an “insured person” and caused by an “accident” if the “Declarations” indicates that Uninsured Motorists “Property Damage” Coverage applies.
2. Johnson contends that the trial court erred in concluding that the policy should not be construed in her favor because the relevant terms are undefined and ambiguous, specifically the terms “domiciled,” “actually living,” and “household.” Applying Tennessee law, we conclude that these terms are unambiguous.
The Tennessee Supreme Court has stated:
The analysis used in construing insurance policies is well settled. Insurance contracts like other contracts should be construed so as to give effect to the intention and express language of the parties. Words in an insurance policy are given their common and ordinary meaning. Where language in an insurance policy is susceptible of more than one reasonable interpretation, however, it is ambiguous. Where the ambiguous language limits the coverage of an insurance policy, that language must be construed against the insurance company and in favor of the insured.
(Citations and punctuation omitted.) Tata v. Nichols,
Under Tennessee law, domicile is an established term, meaning the same thing as legal residence. Bearman v. Camatsos,
“The phrase ‘resident of your household’ and similar phrases appear often in insurance contracts. They have been construed frequently and are not ambiguous.” (Citations omitted.) Nat. Ins. Assn. v. Simpson,
3. Johnson contends that the trial court erred in determining that she could not have two simultaneous residences — one at her parents’ Tennessee home and one at her college apartment in Georgia. She also challenges the trial court’s conclusion that she was not actually living with her parents at the time of the collision.
There are Tennessee cases stating that a person may have more than one residence, but only one domicile. Bearman, supra,
An “insured person” under the policy includes any “family member,” which is defined to include a person related to you by blood who is a resident of your household. The policy defines “resident” as domiciled and actually living in the household of the named insured. The trial court determined that Johnson’s domicile remained in Tennessee, but concluded that she was not “actually living” in her father’s household.
Because the term “actually living” is not defined in the policy, we must give the words their natural and ordinary meaning. Northland Ins. Co., supra,
In McDonough, supra,
Based on the circumstances present here, we conclude that Johnson was not “actually living” with her parents. At the time of the accident, Johnson was a 22-year-old student at Kennesaw State and lived in an off-campus apartment. She had signed a one-year lease on her Georgia apartment where she lived full-time, except for some weekends and holidays, did not return to her parents’ house the summer before the accident, was employed in Georgia, had a Georgia driver’s license, maintained Georgia insurance on her car, and kept her car at her Georgia apartment. Although Johnson was a frequent and welcome visitor at her parents’ home, she was not “actually living” there in January 2010. See McDonough, supra,
Johnson relies on State Farm Mut. Automobile Ins. Co. v. Thomas,
Our decision that Johnson is not an insured person under the policy is based on the policy terms and Tennessee law interpreting those terms, considering the specific facts of this case. That decision is not inconsistent with Tennessee cases interpreting the phrase “resident of your household” where the term “resident” is not defined in the policy as it is here. In 1961, the Tennessee Supreme Court held that “household” means “those living together under one roof, under one head and under the common control of one person.” Boyd v. Peoples Protective Life Ins. Co.,
include, but are not limited to: (1) the person’s subjective or declared intent to remain in the household either permanently or for an indefinite or unlimited period of time, (2) the formality or informality of the relationship between the person and the other members of the household, (3) whether the place where the person lives is in the same house or on the same premises, (4) whether the person asserting residence in the household has another place of lodging, and (5) the age and self-sufficiency of the person alleging to be a resident of the household.
Simpson, supra,
Although Johnson and her parents certainly were a family and submitted affidavits indicating that Johnson intended to remain in her parents’ household, she was not in fact dwelling under the same roof with them at the time but instead at her own apartment in a different state. Johnson was not a minor and had a job, but she was not completely self-sufficient. Considering the additional factors that Johnson had not lived with her parents the prior summer and her certification that she had continuously lived in Georgia from August
We therefore affirm the trial court’s grant of Bristol West’s motion for summary judgment on the issue of coverage.
Judgment affirmed.
Notes
Johnson does not dispute that she has recovered from Bartley’s liability insurance carrier, her uninsured carrier, and the uninsured carrier of the driver of the car in which she was riding.
An “uninsured motor vehicle” is defined to include a motor vehicle to which a liability policy applies at the time of the accident, but the sum of the limits of liability available under all collectible policies is less than the coverage provided under the Bristol West policy.