The appellant insurer appealed a decision requiring it to defend and indemnify the respondent lessor for an automobile accident involving a leased vehicle.
The vehicle was owned prior to the effective date of the fleet policy but was not listed on the initial schedule.
It was added to a monthly fleet report after the accident occurred.
The Court of Appeal allowed the appeal, holding that under OPCF 21A (c), vehicles owned prior to the policy term but not scheduled require a specific request for coverage, and no retroactive coverage is provided.
Because coverage was never triggered, relief from forfeiture was unavailable.
