In Centennial Insurance Co. v. Hartford Accidental and Indemnity Co., 821 S.W.2d 192, 196 (Tex. App.--Houston 14th Dist. 1991, no writ), the court held that an automobile exclusion in a comprehensive general liability policy applied to an accident in which a third party was killed, even though the employer was negligent in employing the employee driver who caused the accident. The court reasoned that the employer's negligence, by itself, and without the fatal injury caused by the instrumentality of the automobile, could not have resulted in a cause of action against the insured. Id. at 194.