Bellemere v. Geico Gen. Ins. Co., 977 So. 2d 363 (Miss. Ct. App. 2007), reh’g en banc denied, Bellemere v. Geico Gen. Ins. Co., 2007 Miss. App. LEXIS 795 (Miss. Ct. App. 2007) cert. denied, Bellemere v. Geico Gen. Ins. Co., 977 So. 2d 1144, 2008 Miss. LEXIS 138 (Miss. 2008)