State Farm Mutual Automobile Insurance Co. v. Townsend

SACKETT, Judge.

Carl F. and Debbie Townsend purchased, on August 14, 1981, an automobile policy from plaintiff State Farm through agent Bill Ridge. The policy described the Town-sends 1969 Chevrolet Impala which was the Townsends’ only operable family automobile. The policy provided coverage for a period from August 14, 1981 to November 14, 1981.

On October 22, 1981, one Randy Throg-martin was sentenced to 30 days in the county jail and was afraid to leave his car at his home during that period for fear his brothers would drive the car. Throgmartin had heard that the Townsends’ only had one car…