Setty

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA San Francisco Division BRIAN SETTY, Case No. 23-cv-02464-LB

Plaintiff, v. ORDER ADDRESSING MOTION TO

DISMISS

UNITED FINANCIAL CASUALTY

COMPANY, INC.,

15 Defendant. Re: ECF No. 6 16 INTRODUCTION The plaintiff, who was seriously injured in a car accident and incurred at least $900,000 in medical expenses, sued his car-insurance company over a dispute about whether his insurance policy was effective at the time of the accident. The plaintiff had insurance until September 27, 2020, and the policy was to renew for another six months if the plaintiff made payment. Before September 27, and as required by California Insurance Code § 663, the defendant sent him various documents that amounted to an offer of renewal. One of those documents mentioned a fee for late payments. The accident then happened on September 30, 2020, and the plaintiff made a late payment on October…