Allstate Insurance Company v. Diana Lynn Tarrant et al. - Dissent

We granted the Tenn. R. App. P. 11 application in this case to determine whether an insured,who requested replacementinsurancecoverageonhispersonalandbusiness vehicles in order to reduce his premiums, is entitled to more coverage than that provided in his new personal policy when he failed to read the amended policy declarations and to notify the insurance company that he desired different coverage on one of his vehicles. Applying settled legal principles to the essentially undisputed facts of this case, I would hold that the insured accepted the new coverage by failing to review the amended policy declarations and to give the insurance company timely notice that the coverage was less than he desired.