The appellant lessor and the lessee were both named insureds under an automobile insurance policy.
The lessee unilaterally directed the insurer to delete all coverage except fire and theft.
The vehicle was subsequently destroyed in an accident.
The insurer denied the lessor's claim on the basis that coverage had been deleted.
The Court of Appeal allowed the lessor's appeal, holding that the insurance contract provided several, not joint, coverage.
Therefore, one co-insured could not unilaterally cancel the coverage of the other without the insurer providing 15 days' prior notice and obtaining the express or implied consent of the co-insured lessor.
