Cowan v. Allstate Insurance

Kevin Cowan and Jimmy Blanding (collectively Appellants) brought this declaratory judgment action against Allstate Insurance Company to recover damages awarded by default against Allstate’s insured. The circuit court ruled Allstate could assert its insured’s failure to comply with the cooperation clause of the insurance policy and deny coverage when it lacked actual knowledge of the lawsuit. We affirm. 1

FACTS

Allstate issued the insurance policy to its named insured, Charles A. Griffis, who was the owner of the vehicle involved in the accident. Stacy Johnson was operating Griffis’ automobile…