State Farm Mutual Automobile Insurance Company v. Moore

Townsend, Presiding Judge.

Whether reinstatement of a lapsed insurance policy is prospective or retrospective is ordinarily determined by the policy terms. It was held in Winder Nat. Bank v. Aetna Life Ins. Co., 36 Ga. App. 703 (2) (137 SE 848) that where the intention of the parties is that the reinstatement shall relate back to the date of default the insured is covered during the interim period. In Plumer v. Continental Cas. Co., 12 Ga. App. 594 (77 SE 917), where there was a policy provision that reinstatement, if accepted, should be effective at noon of the day following the receipt of…