United States Fidelity and Guaranty Co. v. Haywood

In a motion for declaratory judgment filed against Fred W. Haywood and Stephen N. Haywood, United States Fidelity and Guaranty Company sought to have declared void a fire insurance binder issued in the name of Stephen N. Haywood, trading as Covington Vending Service. The basis of the claim for relief was that Fred W. Haywood, in order to obtain insurance on vending machines owned by him, had wilfully misrepresented to USF&G’s agent that he was Stephen N. Haywood. It was alleged that the misrepresentation was not discovered by USF&G until after the vending machines were destroyed by fire, and…