LYLE DEAN KOOIKER D/B/A FANTASY AUTO SALES, APPELLANT,
v.
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA, APPELLEE

Fla. 4th DCA | 1998-07-01
No. 97-3969
DELL, GUNTHER and KLEIN, JJ., concur.
712 So. 2d 1245 Florida District Court of Appeal, Fourth District (1998) Positive Treatment
Cited by 3 cases


Opinion of the Court
PER CURIAM.

PER CURIAM.

In a prior lawsuit appellant sued an automobile dealer who had sold him a stolen car, as well as dealer’s surety company, American Bankers. At the trial of that case, the court directed a verdict in favor of American Bankers on the ground that appellant could have no cause of action against the surety, American Bankers, until he had obtained a judgment against the principal covered by the surety bond. After obtaining a judgment, appellant brought this suit against American Bankers, and the trial court entered a summary judgment for American Bankers based on res judicata. We reverse, because, the cause of action i not having accrued to appellant at the time the directed verdict was entered, the dismissal of American Bankers from that lawsuit was not on the merits. Hett v. Madison Mut. Ins. Co., 621 So. 2d 764 (Fla. 2d DCA 1993). The summary judgment is accordingly reversed.

DELL, GUNTHER and KLEIN, JJ., concur.


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  • …. The purpose of this provision was to protect an insured from sudden gaps in coverage and allow the insured to obtain new coverage following an insurer’s involuntary cancellation or termination of the policy. See Federated Mut. Ins. Co. v. Germany, 712 So. 2d 1245, 1248 (Fla. 5th DCA 1998) (refusing to apply 60-day delay in effective date of cancellation where insured sent notice of cancellation to the insurer, who then cancelled the policy at the insured’s request). Thus, we read this provision to apply wher…
  • …levant policy provision states, like here, that an insured may cancel by providing “advance written notice of the cancellation,” the insurer is at liberty to honor the insured’s requested date of cancellation. See Federated Mut. Ins. Co. v. Germany, 712 So. 2d 1245, 1248–49 (Fla. 5th DCA 1998) (holding under cancellation provision requiring “advance written notice of cancellation” that cancellation became effective on September 12, 1989, in accordance with insured’s October 6, 1989 letter requesting September…

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