Court Opinion

ID: 9688977
Source: CourtListenerOpinion
Date Created: 2023-08-24 18:15:10.744307+00
Date Added: 2024-06-11T18:18:43.353188
License: Public Domain

Cynar, P.J.
(dissenting). Respectfully, I dissent. The dispute in the instant case revolves around the nonrenewal of plaintiffs policy, and not cancellation of the policy. The nonrenewal passage, which is Section 12 of defendant’s policy, provides in pertinent part as follows:
If we offer to renew this policy, and the Principal Named Insured declines, it will automatically terminate at the end of the policy term. Failure to pay the required renewal premium means that our offer to renew has been declined.
The policy was scheduled to come up for renewal on March 2, 1983, and plaintiff was so informed prior to the renewal date. On March 4, 1983, plaintiff sent a check in the amount of the renewal premium due on the policy. The check was dishon*691ored for nonsufficient funds. The check was resubmitted for payment a second time but was again dishonored for nonsufficient funds.
The insurance contract language is clear: the policy provides for automatic termination at the end of its term if plaintiff failed to pay the renewal premium. Plaintiff declined to renew by failing to pay the required premium. I would reverse the judgment of the lower court.