Opinion ID: 1917377
Heading Depth: 1
Heading Rank: 6

Heading: the personal representative asserts a claim for breach of contract to procure insurance

Text: Our first question concerns the personal representative's claim: The personal representative alleges Bauer's breach of contract, but what was the contract Bauer allegedly breached? The amended complaint alleges that Bauer breached an agreement to provide personal liability coverage that would have provided coverage in the case of an automobile accident, and would have provided additional coverage to pay the wrongful death claim. (Emphasis supplied.) We do not read this as an allegation that Bauer promised David he was immediately insured for automobile accident liability, i.e., that the agreement was an oral contract of insurance. [4] Instead, we read the personal representative's complaint to allege a breach of a contract to procure the allegedly requested personal liability coverage. The personal representative specifically states in her brief that this is an action at law against an insurance agent for failure to procure the insurance it had promised to procure. [5] We now consider whether this is a proper cause of action.