In Government Employees Insurance Company v. Kisha, a couple purchased a motor vehicle insurance policy that included uninsured motorist coverage (“UIM”). Both members of the couple were named insureds on the automobile policy. After the couple was involved in a traffic wreck, each claimed UIM benefits under the policy. The insurer denied both of their claims due to non-payment of policy premiums. According to the insurance company, the couple’s policy was not in effect when the collision occurred.
Next, the wife filed an action seeking a declaratory judgment in a Florida court. The woman argued the auto insurer waived its right to cancel the couple’s policy and was estopped from denying coverage as a result. Although he offered testimony in his wife’s case, the husband did not join the lawsuit. Following trial, a jury returned a verdict in favor of the wife. The husband then filed his own declaratory judgment action. Additionally, he asked the court to enter a Motion for Entry of Judgment based on the doctrine of collateral estoppel. As a result, the trial court issued a judgment in the man’s favor.