Howard v. Motorists Mutual Insurance

*526STUMBO, Justice.

Appellant, Corliss Howard, challenges a decision of the Court of Appeals reversing a Shelby Circuit Court judgment compelling Appellee, Motorists Mutual Insurance Company (“Motorists”), to provide insurance coverage for a 1991 auto accident. This opinion addresses whether estoppel or waiver can, under certain circumstances, preclude an insurance company from denying coverage after it has cashed an insured’s cheek and retained the funds.

On April 29,1989, Appellant contacted Ap-pellee, Doetrow-Rieh Insurance Agency (“Doetrow”), an independent insurance agency, to obtain…