Opinion ID: 3012542
Heading Depth: 3
Heading Rank: 1

Heading: m. on

Text: July 2, 1998. Your payment of $200.00 was received on July 3, 1998. This amount has been applied to your policy; however, as of the date of this notice, we still have not received the full minimum amount due. Please note that the Cancellation Notice previously sent to you on June 12, 1998 will be enforced unless the full Minimum Amount Due is received on or before July 2, 1998. In order to avoid having your policy cancel, we must receive an additional payment of $132.18 before 12:01 a.m. on July 2, 1998. Otherwise, your policy will terminate according to the Cancellation Notice we previously sent you. The amount due includes a payment fee of $5.00. If you have any questions, please contact your agent. Plaintiff received the Special Notice on July 7. On July 11, Fasanya was involved in an automobile accident. On July 13, he mailed the remaining payment of $132.18, which Allstate received on July 16. On July 23, Fasanya notified Allstate of the accident. Allstate denied coverage on Fasanya's claim, informing him that his policy had lapsed from July 2, 1998 until July 16, 1998. Allstate claims that it had sent an Automobile Policy Reinstatement Notice to Fasanya on July 16, indicating that his policy had experienced the above-described lapse in coverage. Fasanya, however, claims that Allstate failed to provide him with a notice of reinstatement. Fasanya also alleges that, during a telephone call on July 30, 1999, Esther Egbert, an Allstate adjuster, informed Fasanya's counsel that the Fasanya policy had not lapsed once during its entire term from November 1997 through March 1999. Fasanya's counsel conceded, however, that Egbert subsequently connected him to another Allstate employee who reiterated that the policy had lapsed.