Ex Parte Quality Casualty Ins. Co.

This Court granted certiorari review to revisit our holding in Alfa Mutual General Insurance Co. v. Oglesby,711 So.2d 938 (Ala. 1998).

Facts and Procedural History

In July 2003, Otis J. Ruben applied for automobile insurance for his 2002 Ford Escort automobile. In the application for the insurance, Otis chose not to include his son Christopher as a regular driver on the policy, because to do so would have cost over $1,300 more for a six-month period than it cost to cover only Otis and his wife, Diane. Otis represented in his application for insurance that Christopher was not a regular driver of…