Soper v. First Security Insurance Co. of America

QUINN, Associate Judge.

Appellant Soper purchased a truck from appellee Ourisman Chevrolet. As part of the transaction he also bought a “$100 deductible” collision insurance policy through Ourisman Chevrolet and appellee Brothers Insurance Agency. This policy, covering “direct and accidental loss of or damage to the [truck] caused by collision of the [truck] with another object,” was issued by appellee First Security Insurance Company.

While the policy was in effect, the truck was damaged beyond repair in a collision with another car in Virginia more than fifty miles from the District of…