Allstate Insurance Co. v. Cipriani

STONE, Judge.

We reverse an order that found medical payment coverage under an Allstate policy notwithstanding that Appellee’s automobile was removed from the policy as an insured vehicle prior to the accident.

Melinda Cipriani’s car was covered under her father’s policy. Her sister Debbie worked in their father’s insurance agency and regularly handled his business and personal affairs, which included a history of her adding and deleting vehicles on her father’s policy by telephoning Don Leach, the Allstate agent who had handled the family’s automobile insurance business for several years. The…