White

In this action for declaratory relief, the plaintiffs sought a declaration that their policy of automobile insurance, issued by defendant Farmers Insurance Exchange, included uninsured-motorist coverage in the amounts of $10,000 for each person and $20,000 as a maximum for each accident. Defendants Farmers Insurance asserted that the policy included such coverage only in the amounts of $5,000 for each person and $10,000 as a maximum for each accident. Judgment was in favor of plaintiffs. Defendant Farmers Insurance appeals from the judgment.

In October 1948, the defendant Farmers Insurance issued its policy of insurance covering plaintiffs’ Chevrolet automobile for a term of six months, and thereafter for additional terms of six months upon the payment of the required premium therefor. Under “Coverage A” of the policy, the insurance company agreed to pay an amount not to exceed $5,000 as damages for bodily injury to one person, or not to exceed $10,000 for bodily injuries in each accident, caused by accident and arising out of the ownership of the automobile. Semiannually after the issuance of that policy (i.e., in April and October of each year) to and including October 1959,…