ANDREWS, Judge.
Robert Woodruff obtained auto insurance from Cotton States Mutual Insurance Company ("Cotton States") in 1991 for his three vehicles. In 1992 he deleted his Toyota pickup truck from the policy. In 1993, however, Woodruff drove the Toyota to Florida where it was involved in an accident with a bicyclist on May 6 at 12:20 a. m. Upon returning home, Woodruff called Cotton States and asked that the Toyota be added back to the insurance policy. Because he...
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