Logourl black
From our private database of 14,200+ case briefs...

Ward v. Federal Kemper Insurance Company

Court of Special Appeals of Maryland
489 A.2d 91 (1985)


Facts

Federal Kemper Insurance Company (Federal Kemper) (defendant) issued an automobile-insurance policy to Aaron Ward (plaintiff). Ward paid the premium in full. When Ward changed vehicles, Federal Kemper sent Ward a refund of overpaid premium in the form of a check for $12 that was payable to Ward and drawn on the Citizens National Bank of Decatur, Illinois (Citizens National). Ward received but never negotiated the check. Federal Kemper discovered that the refund should have been $4.50 rather than $12 and billed Ward for the difference of $7.50. Ward did not pay the $7.50, and Federal Kemper sent Ward a notice of cancellation of his insurance policy. Subsequently, Ward was in an accident in his insured vehicle. Federal Kemper denied coverage under the cancelled insurance policy. Ward sued Federal Kemper for a declaratory judgment as to coverage. The trial court granted judgment in favor of Federal Kemper. Ward appealed.

Rule of Law

Issue

Holding and Reasoning (Adkins, J.)

What to do next…

  1. Unlock this case brief with a free (no-commitment) trial membership of Quimbee.

    You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.

  2. Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.

    Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.

Here's why 251,000 law students have relied on our case briefs:

  • Written by law professors and practitioners, not other law students. 14,200 briefs, keyed to 189 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.