Offutt v. Liberty Mutual Insurance

I dissent in this case because, in my opinion, the insured established that there was both a “forcible entry” into the truck and “visible signs” of this forcible entry at the point of entry. The relevant portion of the policy first quoted in the majority opinion must be construed as an entirety. See Gottlieb v. American Automobile Ins. Co., 177 Md. 32, 38, 7 A. 2d 182, 185 (1939). Its purpose is to require that the insured securely locks the truck and completely closes all windows, when leaving the vehicle unattended. It is obvious that this requirement substantially reduces the risk of theft…