Atlantic Specialty Insurance Co. v. City of College Park, et al.
Annotate this CaseDorothy Wright and her grandchildren (collectively, the “Decedents”) were killed when their vehicle was struck by a stolen vehicle that was being chased by College Park Police Department officers. At the time of the accident, the City of College Park had an insurance policy provided by Atlantic Specialty Insurance Company (“Atlantic”), which provided coverage for negligent acts involving the City’s motor vehicles up to $5,000,000 but also included immunity endorsements which said that Atlantic had no duty to pay damages “unless the defenses of sovereign and governmental immunity are inapplicable.” Plaintiffs filed suit against the City, raising claims of negligence and recklessness resulting in the wrongful deaths of the three Decedents, to which the City raised sovereign immunity as a defense. Plaintiffs claimed the insurance policy limit was $5,000,000 for the three deaths, while Atlantic contended the policy limit was capped at $700,000 under the relevant statutory scheme and the terms of the City’s policy. As the parties agreed, pursuant to OCGA 36-92-2 (a)(3), the sovereign immunity of local government entities was automatically waived up to $700,000 in this instance, regardless of whether the City had a liability insurance policy. Atlantic intervened in the case to litigate the limit of the insurance policy. The trial court ruled that the policy limit is $5,000,000, and the Court of Appeals affirmed. The Georgia Supreme Court then granted Atlantic’s petition for certiorari to decide whether the City’s insurance policy waived the City’s sovereign immunity under OCGA 36-92-2 (d)(3). The Supreme Court concluded the Court of Appeals incorrectly ruled that the City’s insurance policy increased the sovereign immunity waiver notwithstanding the immunity endorsements, which expressly precluded coverage when a sovereign immunity defense applies. Judgment was therefore reversed.
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