Shepard v. United States Fidelity & Guaranty Co.

Appellant sued for collision damages to his automobile under an insurance policy which had been issued for a term of one year from June 12, 1968, to June 12, 1969. The policy contained no provision for renewal. The premium was payable (and paid) in two installments.

The loss occurred on October 5,1969, four months after the policy expiration date. At the time of the loss no renewal premium had been paid or tendered.

The premium for the policy term was paid one-half in June, 1968, when the policy was issued, and the other half in December. The defendant notified the plaintiff that the December…