Legal Memorandum: Vehicle's True Owner and "Normal Insured"

Issue: What is the remedy when an insurance policy fails to list the owner of a vehicle as an insured?

When the true owner is not designated as a “normal insured,” a court of equity can reform the policy of insurance to treat the true owner of the vehicle as a “normal insured.”  Rocky Mountain Fire & Cas. Co. v. Rose (Wash. 1963) 385 P.2d. 45, 50; Doyle v. Allstate Ins. Co. (Wis. 1958) 90 N.W.2d.562, 566; General Ins. Co. of Am. v. W. Fire & Cas. Co. (5^th Cir. 1957) 241 F.2d 289, 293.

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