Librizzi v. State Farm Fire and Casualty Co.

The plaintiffs filed this declaratory action seeking liability coverage under a personal liability umbrella policy issued to the plaintiff Gilbert C. Librizzi (Gilbert) by State Farm Fire and Casualty Company (State Farm Fire) for injuries arising out of a two-car accident that took place on September 1, 1988. On cross-motions for summary judgment the trial court denied the plaintiffs’ summary judgment motion and found that the policy was not in effect on the date of the accident. The trial court granted State Farm Fire’s motion for summary judgment.

The facts are as follows.

On September 1,…