Royal-Globe Insurance Co. v. Craven

Craven (defendant) was hospitalized 23 days after a hit-and-run accident, recovered enough within a week of release to resume normal activities, returned to work about three months post-accident, but did not notify her insurer, Royal-Globe (plaintiff), of her claim until roughly four months after the accident. Her policy required notice within 24 hours for hit-and-run accidents but only "prompt" notice otherwise; after Royal-Globe denied her claim and Craven sought arbitration, Royal-Globe sued for a declaratory judgment of non-liability, and the trial court granted Craven summary judgment.