DART INDUSTRIES, INC. v. COMMERCIAL UNION INSURANCE CO.

No. S086518.

124 Cal.Rptr.2d 142 (2002)

28 Cal.4th 1059

52 P.3d 79

DART INDUSTRIES, INC., Plaintiff and Respondent, v. COMMERCIAL UNION INSURANCE COMPANY, Defendant and Appellant.

Supreme Court of California.

August 19, 2002.


Attorney(s) appearing for the Case

Selman Breitman, Neil H. Selman, Jeffrey C. Segal, Los Angeles, and Lynette Klawon, for Defendant and Appellant.

Hancock, Rothert & Bunshoft, Paul J. Killion, San Francisco, Max H. Stern and Kate Cutler, San Francisco, for London Market Insurers as Amicus Curiae on behalf of Defendant and Appellant.

Wiley, Rein & Fielding, Laura A. Foggan, Wash., Dist. of Columbia, Daniel E. Troy, Kimberly Hrabosky; Bien & Summers and Elliot L. Bien, Novato, for Insurance Environmental Litigation Association as Amicus Curiae on behalf of Defendant and Appellant.

Luce, Forward, Hamilton & Scripps, James E. Fitzgerald, Charles A. Bird, Los Angeles; Jenner & Block, Stephanie A. Scharf, Chicago, IL, and Paul M. Smith, Irvine, for Plaintiff and Respondent.

Bill Lockyer, Attorney General, Randall P. Borcherding and Julian 0. Standen, Deputy Attorneys General, for the Insurance Commission for the State of California as Amici Curiae on behalf of Plaintiff and Respondent.

Jackson & Wallace, Gabriel A. Jackson, San Francisco, and William P. Buranich, for Kelly-Moore Paint Company and Unisys Corporation as Amici Curiae on behalf of Plaintiff and Respondent.

Zevnick, Horton, Guibord, McGovern, Palmer & Fognani, Michel Y. Horton and David S. Cox, Los Angeles, for ITT Industries, Inc., as Amicus Curiae on behalf of Plaintiff and Respondent.

Adleson, Hess & Kelly, Randy M. Hess, Duane W. Shewaga, Campbell, and Michelle L. Fogliani, for California Trustee's Association as Amicus Curiae on behalf of Plaintiff and Respondent.

Covington & Burling, Richard C. Darwin, San Francisco, Robert A. Long, Jr., and Karin L. Kizer, Wash., Dist. of Columbia, for Pharmaceutical Research and Manufacturers of America as Amicus Curiae on behalf of Plaintiff and Respondent.

David L. Alexander, Michele Heffes, Oakland; Farella, Braun & Martel, Deborah S. Ballati and Pamela H. Davis, San Francisco, for City of Oakland, Board of Port Commissioners as Amicus Curiae on behalf of Plaintiff and Respondent.

Brobeck, Phleger & Harrison, David M. Halbreich, Los Angeles, Thomas M. Peterson, San Francisco and Maruly Fisher, for Western Mac Arthur Company and Mac Arthur Company as Amicus Curiae on behalf of Plaintiff and Respondent.

Amy Bach, San Francisco; Anderson, Kill & Olick and John A. MacDonald, Philadelphia, PA, for United Policyholders as Amicus Curiae on behalf of Plaintiff and Respondent.


MORENO, J.

This appeal requires us to determine what an insured must prove in order to establish its rights under a lost or destroyed insurance policy. The trial court found that the insured had introduced sufficient secondary evidence to prove the substance of the policy's material provisions, and rendered judgment for the insured. The Court of Appeal held that the insured was required instead to prove the actual words of those provisions, and reversed the judgment...

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