Klotz v. Anthem Life Ins. Co., 91-1934

Decision Date09 June 1992
Docket NumberNo. 91-1934,91-1934
Citation601 So.2d 593
PartiesNorton KLOTZ, et al., Appellants, v. ANTHEM LIFE INSURANCE COMPANY, Appellee. 601 So.2d 593, 17 Fla. L. Week. D1444
CourtFlorida District Court of Appeals

Perse & Ginsberg and Arnold R. Ginsberg, B. Wayne Olivie, John M. Goodman, Miami, for appellants.

Blackwell & Walker and Angela C. Flowers, Miami, for appellee.

Before SCHWARTZ, C.J., and NESBITT and FERGUSON, JJ.

SCHWARTZ, Chief Judge.

It is at least reasonably arguable--and probably clear--that a person registered at an educational institution who is on a medical leave of absence and not attending classes is "enrolled as [a] full-time student ..." [emphasis supplied] under a group insurance policy. Applying the familiar rules about interpreting insurance contracts, Stuyvesant Ins. Co. v. Butler, 314 So.2d 567 (Fla.1975), especially that every expression must be given meaning, Supreme Internat'l Corp. v. Home Ins. Co., 428 So.2d 295 (Fla.3d DCA 1983), the summary judgment entered below for the carrier is reversed with directions to enter one for the appellant-insured. Compare Blue Cross & Blue Shield of Fla., Inc. v. Cassady, 496 So.2d 875, 876 (Fla. 4th DCA 1986) (interpreting exception which applies "if such child is in full time attendance at an accredited college").

Reversed.

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6 cases
  • Prudential Insurance Co. v. Superior Court
    • United States
    • California Court of Appeals
    • 17 Mayo 2002
    ...classes]; Blue Cross & Blue Shield of Fla. v. Cassady (Fla.App. 4 Dist.1986) 496 So.2d 875, 877 [same]; Klotz v. Anthem Life Ins. Co. (Fla.App. 3 Dist.1992) 601 So.2d 593, 594 [student on medical leave is not a full-time student]; Klein v. Empire Blue Cross & Blue Shield (3 Dept.1991) 173 A......
  • Prudential Ins. Co. of Am. v. the Super Court of Santa Cruz County
    • United States
    • California Court of Appeals
    • 17 Mayo 2002
    ...classes]; Blue Cross & Blue Shield of Fla. v. Cassady (Fla.App. 4 Dist. 1986) 496 So.2d 875, 877 [same]; Klotz v. Anthem Life Ins. Co. (Fla.App. 3 Dist. 1992) 601 So.2d 593, 594 [student on medical leave is not a full-time student]; Klein v. Empire Blue Cross & Blue Shield (N.Y.A.D. 3 Dept.......
  • Southern States Utilities v. Florida Public Service Com'n
    • United States
    • Court of Appeal of Florida (US)
    • 10 Junio 1998
    ...... Co., 85 F.P.S.C. 6:203 (1985); In re Application of ... delimited sphere." Florida Dep't of Ins. v. Bankers Ins. Co., 694 So.2d 70, 71 (Fla. 1st ......
  • Hernando County v. Florida Public Service Com'n, 95-2935
    • United States
    • Court of Appeal of Florida (US)
    • 12 Diciembre 1996
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