Opinion ID: 38079
Heading Depth: 2
Heading Rank: 6

Heading: The Jenkinses’ Response

Text: Sondra and Alvin promptly completed the application and mailed it, as directed, to MLIC, where it was received on January 17, 2001. Relying on the MLIC brochure’s assurances that no separate check would be required and that their premiums would be added to and included in their monthly invoices from NovaStar, as well as 5 the assurances that they would “owe nothing” if they returned the certificate/policy during the 30-day examination period (during which they would nonetheless be covered), the Jenkinses neither enclosed a check for their first insurance premium when they mailed their application to MLIC nor unilaterally added the amount of this first premium to their payments of any of NovaStar’s subsequent monthly invoices. As they had done each month since taking out their loan, the Jenkinses mailed their check in payment of NovaStar’s March 10, 2001 on March 25, 2001, in the standard invoiced amount of $2,808.70.