unloading

Act of discharging a cargo; taking a load from; disburdening or removing from. American Oil & Supply Co. v. United States Casualty Co., 19 N.J.Misc. 7, 18 A.2d 257, 259.

An unloading clause in an automobile liability policy covers the entire process involved in the movement of articles by and from a motor vehicle to the place where they are turned over to the one to whom the insured is to make delivery, if the clause is construed in accordance with what may be called the "complete operation" rule. Pacific Auto. Ins. Co. v. Commercial Cas. Ins. Co. of N. Y., 108 Utah 500, 161 P.2d 423.

There are, however, two other rules or doctrines used by various courts in applying the unloading clause of such a policy. One is known as the "coming to rest" rule, and the other is the "continuous passage" rule. But the complete operation rule is said to be the modern doctrine, supported by the trend of the later cases. London Guarantee & Ace. Co. v. C. B. White & Bros., 188 Va. 195, 49 S.E.2d 254.

In determining whether activity constitutes "unloading" within meaning of insurance policy which provides coverage for liability arising out of loading and unloading truck, "complete operations" rule is followed under which "unloading" embraces all operations required in any specific situation to effect a complete delivery of the article; the number of temporary or intermediate stops or resting places is immaterial. Manhattan Fire & Marine Ins. Co. v. Travelers Ins. Co., 66 Cal.App.3d 794, 136 Cal.Rptr. 400, 402.

"Loading or unloading" within homeowner's policy excluding personal liability coverage with respect to "loading or unloading" of automobiles has primary reference to objects transported from one place for delivery to some at least temporary final destination. Morari v. Atlantic Mut. Fire Ins. Co., 10 Ariz.App. 142, 457 P.2d 304, 306.

"Unloading" as used in a motor vehicle liability policy has been completed when, following removal of the material from the vehicle, the deliverer has finished his handling of it and has placed the material in the hands of the receiver at the designated reception point, even though it is necessary for the consignee, or someone in his behalf, to transport it thereafter to another point. General Ace. Fire & Life Assur. Corp. v. Liberty Mut. Ins. Co., Fla. App., 260 So.2d 249, 255