Unkelsbee v. Homestead Fire Insurance Co. of Baltimore

I am unable to agree with the majority. It is plain that the insured did not purchase collision insurance. On the front page of the policy were listed numerous coverages. Insured purchased coverage “D,” there described as: “Comprehensive — Loss'of or damage to the Automobile, except by Collision but including Fire, Theft and Windstorm.” He did not purchase coverage “E,” described as: “Collision or Upset.” In the body of the policy these coverages are described in more detail. Coverage “D” is set forth in the majority opinion. Coverage “E” reads as follows :

“Coverage E — 'Collision or Upset

“To…