Court Opinion

ID: 9705881
Source: CourtListenerOpinion
Date Created: 2023-08-26 01:25:10.598274+00
Date Added: 2024-06-11T18:22:17.083167
License: Public Domain

JUSTICE McCULLOUGH, specially concurring: I agree that the judgment should be reversed. I also agree with the majority opinion that in applying Sizelove, the record shows that the insured secured substitute coverage and either disclosed to the insurer an intent to cancel the existing coverage or requested the cancellation under the terms of the existing policy. I believe that the insured’s intention to cancel the existing coverage was disclosed to the insurer. This varies slightly from the position taken in the majority opinion, which indicates that substitute coverage was secured and the insured requested cancellation under the terms of the existing policy. As indicated in the majority opinion, Copley testified that he never intended to “keep” both policies. Instead, he intended to cancel the defendant’s policy after the Federated policy took effect. On November 18, 1981, plaintiff testified that he was “probably” expecting a refund of his Pekin premium, and he was “looking to get a refund back.” Copley also knew that the original insurer had been notified of his intent to cancel the insurance. This intention to cancel was disclosed to the insurer by the actions of DeFrates on behalf of Copley and Copley’s own conduct.