Lescano v. Southern Group Indemnity, Inc.

When the insured appellant received notice of an increase in her automobile insurance premium or cancellation of the policy, she desired to prevent cancellation and agreed to her agent’s suggestion that the policy be amended to reduce coverage by eliminating comprehensive collision coverage on the vehicle. She signed a change of policy form reflecting this amendment. Later, she received a notice indicating that her insurance was reinstated “as originally written.” This notice was sent two days after the covered vehicle was damaged in a collision. Based upon the elimination of collision…