Farmers Insurance Exchange v. Farm Bureau Mutual Insurance Co.

I respectfully dissent.

Farmers Insurance Exchange (hereafter Exchange) sent Mrs. Carty the printed expiration note set forth in the principal opinion. There were no conditions set forth in the note for renewal of the policy other than payment of premium within 15 days of November 18, 1971. The option to renew would expire at midnight December 3, 1971. Mrs. Carty had the right to decide on November 18 that she would not renew the policy and thereafter change her mind and renew it. Her right to do so did not depend upon whether she had an automobile accident in the meantime.

If, instead of…