Webster

This is an appeal from a declaratory judgment of Los Angeles County Superior Court declaring that a policy of insurance issued by respondent Pacific National Insurance Company (hereinafter referred to as Pacific National) afforded no coverage to appellants Roger Webster and Bernard Perloff for a claim of a third party arising out of an accident, which the trial court found to have occurred after the cancellation of the subject insurance policy.

In 1978, appellants Bernard Perloff and Roger Webster acquired property located at 610-620 Hampton Drive in Van Nuys, California. They purchased a liability insurance policy from respondent Pacific National for the period November 15, 1979, to November 15, 1980 (hereinafter referred to as the “1979 policy”).

At the time of trial, the parties stipulated that the original “1979 policy” was not in the possession of appellants and was not available. Because of this problem, respondent Pacific National attempted to reconstruct the original “1979 policy.” Relative to this reconstruction, respondent Pacific National endeavored to prove that one endorsement of the original policy was “Form MP-4” which in effect specifically defined the…