Ingalls v. Commercial Insurance Co.

The principal issue on this appeal is whether an insurance agent, by his statements in disregard of a cancellation notice sent out to an insured directly by the insurance company, can revoke the cancellation and reinstate the insurance thereby making the insurer liable on the insurance policy. We find, as did counsel, that this is a question of first impression in Wisconsin.

All of the authorities cited by the appellant that do express the general rule that an agent, under the circumstances of each case, can bind an insurance company by an oral agreement with the insured, are distinguishable…