Ross v. Thomas

Plaintiffs, Lilbert and Bernice Ross, appeal from the judgment entered against plaintiffs, at the close of plaintiffs’ case, and in favor of Heritage Insurance Group (hereinafter Heritage), Lincolnwood Towers Insurance Agency, Inc. (hereinafter Lincolnwood), and Denise and Tom Seaman, doing business as the Seaman Insurance Agency (hereinafter Seaman).

On January 25, 1973, David A. Thomas applied for an automobile liability insurance policy through Seaman and paid *50 to the agency as a deposit for “full insurance coverage.” At this time Seaman and Lincolnwood had an informal broker-agent…