Occidental Fire & Casualty Co. of North Carolina v. Williams

Deen, Presiding Judge.

In January 1982, needing to purchase automobile insurance, Wanda Williams telephoned the J. L. Brunson Agency, through which she had purchased insurance for several years. She spoke with Jetta Brunson, co-owner of the agency, and for her own convenience requested that Brunson complete and sign the necessary application for her. Subsequently, an insurance policy was issued by the Occidental Fire and Casualty Company of North Carolina (Occidental), effective January 26, 1982, which provided for $5,000 PIP coverage. It is undisputed that the insurer’s application form…