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Failure To Return Auto-Renewal Questionnaire Results In Coverage Denial In Lamborghini Collision Lawsuit Due To Insurer’s “Snowbird Clause”

March 16, 2021 by Owen Gallagher

How many automobile insureds receive renewal questionnaires that they do not return to their insurers? Quite a few, since many of the questionnaires, stated something to the effect that “if there are no changes to the information on the questionnaire, the insured does not have to return it.”

A First Circuit Court of Appeals found that the failure to return a renewal questionnaire with updated information resulted in two Massachusetts insureds losing their optional collision and liability coverage and umbrella coverage in a Naples, Florida collision involving their Toyota Highlander and a $100,000 Lamborghini.

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