State Farm Mutual Automobile Insurance v. Robinson

This is an automobile insurance case in • which we must apply Florida law. The primary issues presented are (1) whether an endorsement limiting coverage for rented cars became part of the insurance policy, and, if not, (2) whether the “non-owned car” provisions of the policy excluded coverage for the rented vehicle. We conclude that the endorsement did not become part of the policy, and that coverage for the rented vehicle was not excluded by the “non-owned car” provisions.

I

THE BACKGROUND AND PRIOR PROCEEDINGS.

Wayne and Lois Robinson (the insureds) owned two automobiles. Both automobiles were…