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IN THE C OURT O F APPE ALS
AT KNO XVILLE

FILED

November 23, 1998

Cecil Crowson, Jr.
Appellate Court
Clerk

JAMES M. BEAM and JOYCE A. BEAM, ) Knox Chancery
Individually and as Next ) C.A. No. 03A01-9802-CH-00055
of Kin of KAREN H. BEAM, Deceased, )
and Next Friend of LANCE B. BEAM, )
A Minor, )

) )
Plaintiffs-Appellees ) ) ) HON. FREDE RICK D. MCDON ALD
vs. ) CHANCELLOR ) )
UNITED SERVICES AUTOMOBILE ) ASSOCIATION, and/or USAA CASUALTY ) INSURANCE COMPANY, and/or USAA ) GENERAL INDEMNITY COMPANY, )
) ) AFFIRMED IN PART, Defendants-Appellants ) REVERSED IN PART AND ) REMANDED
FRANCIS A. CAIN and BEVERLY DEAN NELMS, Frantz, McConnell, & Seymour, LLP, Knoxville, for Appellants.
MARK E. FLOYD, Pryor, Flynn, Priest & Harber, Knoxville, for Appellees.
O P I N I O N
McMurray, J.
This appeal involves the determination of whether there is insurance coverage on three separate insurance policies

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