Andrade-Sorto v. Allstate Insurance Co.

OBERLY, Associate Judge:

This is a simple case of offer and acceptance — but one with no acceptance and therefore no contract. We affirm the trial judge’s ruling that the insured’s failure to pay the premium owed to renew his auto insurance policy prior to his death means that there was no policy in force, and hence no coverage for injuries sustained by appellant Pedro Andrade-Sorto, a pas senger in the insured’s car at the time of the accident that caused the insured’s death.

The facts are straightforward and not in dispute. Jose E. Martinez had an automobile insurance policy with appellee…