Plaintiff sued for damages arising from automobile collision with the defendant, who was uninsured. She joined as a co-defendant her insurer, which had denied coverage under the uninsured motorist provisions of her liability policy. The trial court granted summary judgment to the defendant insurer, and the plaintiff appeals.
The application for insurance shows that uninsured motorist coverage was rejected by the applicant. The fact of this rejection is also reflected on the policy's declaration sheet, which contains a further indication that no premium was charged for that coverage. Plaintiff testified in her deposition that she signed the application in blank and that she did not read the policy until after the accident in question, which occurred some three months later. She also testified that she requested "full coverage" from the agent she spoke to and that she was told she would receive "full coverage." Held: