YELVERTON, Judge.
The issue presented by this appeal is when a renewal policy of insurance became effective.
Arthur Smith had a policy of automobile liability insurance issued by Safeway Insurance Company. He paid monthly premiums. Smith had had insurance with Safeway about three years. Each month, Safeway sent him a renewal premium notice.
Smith received a renewal premium notice indicating an expiration date of July 17, 1990. On that day he was involved...
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