Court Opinion

ID: 9568338
Source: CourtListenerOpinion
Date Created: 2023-08-21 20:02:46.549576+00
Date Added: 2024-06-11T10:24:38.315949
License: Public Domain

Eberhardt, Presiding Judge,
concurring specially.
I agree that Code Ann. § 84-5312, which provides the mode and manner of canceling an insurance contract by the lender who has financed the premium with a loan when the insured has defaulted in making payment, is controlling and that if there is a conflict between the terms of this statute and the policy, the statute controls. *369I do not agree that Code Ann. § 56-2430.1, which provides the mode and manner for canceling an automobile liability insurance contract by the insurer in other stated instances, is applicable in this situation.
If it were not for the requirements of § 84-5312 relative to notice to the insured the cancellation here would be sufficient in terminating the contract, for an attorney in fact appointed for a stated purpose may do all in accomplishing it that the principal could do if he were acting for himself, and if the insured himself had requested cancellation of the policy it is obvious that neither § 84-5312 nor § 56-2430.1 would have any application.
The facts appearing in this record disclose that the cancellation was requested by Baker & Company, (which had financed the premium) as attorney in fact for the insured, thus bringing the situation under § 84-5312, and that notices to the insured were not given or sent in accordance with the requirements of that section.
I therefore concur in the judgment.