Case Name: HARTFORD INSURANCE COMPANY OF THE MIDWEST, Appellant, v. H. Skeet SURRENCY, as Personal Representative of the Estate of Hilton L. Surrency, Deceased, Appellee
Court: Florida District Court of Appeal
Jurisdiction: Florida
Decision Date: 1989-01-26
Citations: 537 So. 2d 208
Docket Number: No. 88-463
Parties: HARTFORD INSURANCE COMPANY OF THE MIDWEST, Appellant, v. H. Skeet SURRENCY, as Personal Representative of the Estate of Hilton L. Surrency, Deceased, Appellee.
Judges: ORFINGER, J., concurs.
Reporter: Southern Reporter, Second Series
Volume: 537
Pages: 208–209

Head Matter:
HARTFORD INSURANCE COMPANY OF THE MIDWEST, Appellant, v. H. Skeet SURRENCY, as Personal Representative of the Estate of Hilton L. Surrency, Deceased, Appellee.
No. 88-463.
District Court of Appeal of Florida, Fifth District.
Jan. 26, 1989.
Charles B. Carter of Jones, Carter & Singer, P.A., Gainesville, for appellant.
Wayne C. McCall of Agres, Cluster, Curry, McCall & Briggs, P.A., Ocala, for appel-lee.

Opinion:
DAUKSCH, Judge.
Hartford Insurance Company appeals a final summary judgment which determined that Chapter 84-41, Laws of Florida was applicable to an insurance policy issued to appellees. Chapter 84-41, section 627.727, Florida Statutes requires an insurance policy with an effective date on or after October 1, 1984 to have a heading in bold type informing the insured that the policy has uninsured motorist limits less than the bodily injury limits. The policy in this case did not have such a statement and the dispute is over when the policy took effect.
An insurance policy takes effect when the insurance company receives an application and it is accepted. 44 C.J.S. Insurance § 232. The policy in this case clearly states that it took effect September 20, 1984. The effective date is not, as appellee contends, the date a supplemental application is returned because parties can contract for a policy to begin on a particular date. Id. at § 223. A policy takes effect on a specified date even though the contract may be subject to acceptance of an application. Id. at § 340.
The trial court erred in applying Chapter 84-41 and entering summary judgment in favor of appellees. We reverse and remand for the trial court to hold a hearing where the parties will present evidence from which the trial court shall make a finding of whether the appellees made a knowing selection of uninsured motorist coverage.
REVERSED and REMANDED.
ORFINGER, J., concurs.
SHARP, C.J., concurs and concurs specially with opinion.