Mission Ins. Co. v. Brown
Decision Date | 12 November 1965 |
Citation | 407 P.2d 275,47 Cal.Rptr. 363,63 Cal.2d 508 |
Court | California Supreme Court |
Parties | , 407 P.2d 275 MISSION INSURANCE COMPANY, Plaintiff and Appellant, v. Alfred Louis BROWN et al., Defendants and Respondents. L. A. 28114. |
Kirtland & Packard and Robert L. Wilson, Los Angeles, for plaintiff and appellant.
H. Thomas Ellerby and Henry F. Walker, Los Angeles, amici curiae on behalf of plaintiff and appellant.
Masry, Hartley & David and Edward L. Masry, Los Angeles, for defendants and respondents.
From a judgment in favor of defendants in an action wherein plaintiff insurance company sought a declaration of its rights under an automobile insurance policy, plaintiff appeals.
Facts: Defendants, while occupants of a vehicle insured by plaintiff, received personal injuries in a collision with an uninsured vehicle.
The accident occurred in Mexico, within 75 miles of the United States border, on a trip that did not exceed 10 days.
The general policy provisions included the following: 'MEXICO COVERAGE--LIMITED--It is agreed that the coverage provided by this policy is extended to apply while the automobile insured is being used for occasional trips into that part of * * * Mexico lying not more than 75 miles' from the United States border for a period not exceeding 10 days.
An endorsement to the policy contained an uninsured motorist coverage provision, together with a purported territorial limitation, reading: 'This endorsement applies only to accidents which occur * * * within the United States of America, its territories or possessions, or Canada.'
Question: Is the purported territorial limitation in the endorsement void because it is in conflict with section 11580.2 of the Insurance Code?
Yes. Section 11580.2, as it read at the time of the accident, provided, in part: * * *'
It will be noted that the only way in which uninsured motorist coverage may be waived is by an agreement in writing, signed by the insurer and the insured, deleting the provision. Admittedly, there was no such agreement in the present case.
There is no express provision in section 11580.2 as to the territorial area within which the insured must be protected against damage caused by an uninsured vehicle. 1 The section, however, was designed to minimize losses to the people of California who are involved in accidents with uninsured or financially irresponsible motorists, and it would appear that the public policy of this state, as expressed in said section, requires that the insured be protected against damages for bodily injury caused by an uninsured motorist in the same territory in which the...
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...California who are involved in accidents with uninsured or financially irresponsible motorists, ..." (Mission Ins. Co. v. Brown (1965) 63 Cal.2d 508, 510, 47 Cal.Rptr. 363, 407 P.2d 275.) The committee that drafted section 11580.2 and recommended its passage determined that increasing the n......
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