Court Opinion

ID: 9766427
Source: CourtListenerOpinion
Date Created: 2023-08-29 04:47:55.783746+00
Date Added: 2024-06-11T07:30:22.490719
License: Public Domain

SEILER, Judge
(concurring).
I concur in the affirmance with respect to the issues before us, but desire to point out the parties did not raise the question of whether, in order for the non-owned automobile part of the State Farm policy to operate, Sphar, at the time of the collision, must have been the owner of the automobile described in the State Farm policy (or of a newly acquired automobile) which he was not, the station wagon having been sold 38 days before the collision, and I do not understand the opinion to pass on this question. An insurer would not ordinarily be aware, until given notice, that the insured has sold the car described in the policy, but the insured knows and also knows whether he has purchased another car. If he has, it would fall under the standard “newly acquired automobile” part of the policy. If the insured sells the automobile described in the policy and if he does not purchase another car, he can get back his remaining premium by informing the company he wants to cancel. If he does nothing, I do not believe this means there is an expansion of coverage or a change in the terms of the policy.