Time Insurance Co. v. Estate of White
United States Court of Appeals for the Fifth Circuit
447 Fed. App’x 561 (2011)

- Written by Sean Carroll, JD
Facts
Larrye and Patsy White (defendants) applied for health insurance with Time Insurance Company (Time) (plaintiff) via facsimile. Time retained an electronic copy of the signed application, which contained an annual maximum coverage of $2,500 printed on the first page. All the Whites’ belongings, including their copy of the application and insurance policy with Time, were destroyed. The following year, Larrye was diagnosed with cancer. The Whites filed a claim with Time, and Time declined to cover any costs beyond $2,500 per year. The Whites claimed that they did not agree to the yearly maximum. Time filed suit for a declaratory judgment that it was not required to provide any coverage beyond $2,500 annually. Time introduced a printout of the application signed by the Whites. The trial court granted Time’s motion for summary judgment. The Whites appealed.
Rule of Law
Issue
Holding and Reasoning (Per curiam)
What to do next…
Here's why 815,000 law students have relied on our case briefs:
- Written by law professors and practitioners, not other law students. 46,300 briefs, keyed to 988 casebooks. Top-notch customer support.
- The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
- Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
- Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.