Locke v. Allstate Ins.

By Judge Randall G. Johnson

This is an action against Allstate Insurance Company to recover property damage resulting from an automobile accident. At trial, all material facts were submitted to the court, sitting without a jury, by way of written stipulations, and counsel presented their arguments. The relevant facts are as follows.

Plaintiffs are husband and wife. Dianna Locke had an automobile policy with Allstate which contained a stated expiration date of May 12, 1990, and all premiums had been paid for coverage through that date. On April 12, 1990, Allstate mailed to plaintiffs, by regular…