Allstate Insurance v. Liberty Mutual Insurance

On December 22, 1980, Richard Harin filled out an application to receive assigned risk coverage for his previously registered automobile. The temporary New York State insurance identification card (FS 75) issued to him on that date contained the following language: “If vehicle is already registered — The coverage becomes effective in accordance with the rules of the New York Automobile Insurance Plan. Such effective date to be indicated on the Notice of Assignment to be mailed to the Applicant by the Plan”.

On January 1, 1981, Harin was involved in an accident with Janet Gonzalez, who was…