Bankers Insurance Co. v. Ramirez

Appellant, Bankers Insurance Company (Bankers), appeals a final summary judgment. We reverse and remand.

Appellee, David Ramirez (Ramirez), purchased an automobile insurance policy from Bankers. The effective date for this policy was October 20, 1989. On December 6, 1989, Bankers mailed a notice of cancellation to Ramirez. The effective date of the cancellation was January 20, 1990.

On February 11, 1990, the subject automobile was damaged and Ramirez made a claim to Bankers. At this point, Ramirez was informed, he claims for the first time, that his policy was cancelled.

Ramirez sued Bankers,…