Molinar

Filed 2/26/

CERTIFIED FOR PUBLICATION

COURT OF APPEAL, FOURTH APPELLATE DISTRICT

DIVISION ONE

STATE OF CALIFORNIA

TANIA MOLINAR et al., D081431

Plaintiffs and Appellants,

v. (Super. Ct. No. 37-20-00034682-

CU-BC-CTL)

21ST CENTURY INSURANCE

COMPANY,

Defendant and Respondent.

APPEAL from a judgment of the Superior Court of San Diego County, Carolyn M. Caietti, Judge. Reversed and remanded. Law Offices of Brandon M. Smith and Brandon M. Smith for Plaintiffs and Appellants. Horvitz & Levy, Mitchell C. Tilner, Cameron Fraser, Steven Fleischman; Demler, Armstrong & Rowland, James P. Lemieux, and David W. Jennings for Defendant and Respondent.

When adult children still live with their parents, it is not unusual for the parents to keep them on their automobile insurance policies and provide coverage for vehicles owned by the children. If the parents fail to pay the premiums, however, their adult children face the risk of becoming uninsured when the insurer cancels the policy for nonpayment. The question presented here is whether an automobile insurer had a duty to give advance notice of cancellation not only to the…