Supreme Court of South Carolina February 27, 1995, 24203 (American National Fire Insurance v. Smith Grading & Paving, Inc.)

Moore, Justice:

This is a declaratory judgment action to determine coverage under an insurance policy issued by respondent (Insurer). The trial judge found the policy was effectively cancelled before the claim arose and concluded coverage was properly denied. We affirm.

FACTS

On August 1, 1985, Insurer issued to Smith Grading & Paving, Inc.