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Max True Plastering Co. v. United States Fidelity and Guaranty Co.

Oklahoma Supreme Court
912 P.2d 861 (1996)


Facts

Max True Plastering Company (Max True) (plaintiff) purchased an insurance policy from United States Fidelity and Guaranty Company (USF&G) (defendant) for losses arising from employee dishonesty. Max True suffered damages as a result of employee dishonesty and made a claim against USF&G. USF&G denied coverage under the policy. Max True filed suit, arguing that coverage existed either under the express terms of the policy or under his reasonable expectations that its losses were covered under the policy. The trial court certified to the state supreme court the question of whether the reasonable expectations doctrine applied to the construction of insurance contracts in Oklahoma and, if so, under what circumstances.

Rule of Law

Issue

Holding and Reasoning (Kauger, C.J.)

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