Randolph Corgatelli v. Globe Life

This is an appeal from a decision of the district court reversing a judgment of the magistrate's division on a claim under an insurance contract and remanding the matter for further proceedings in the magistrate court. We in turn reverse the decision of the district court and add to the body of Idaho law the so-called doctrine of reasonable expectations in litigation involving interpretation of insurance contracts. Plaintiff-appellant Randolph Corgatelli was a part-time rodeo performer and a member of an association made up of such performers. That association sanctioned the activities of agents of defendant-respondent Globe Life and Accident Insurance Company in selling what is styled an accident insurance policy to members of the association. Upon being solicited Corgatelli purchased such a policy in May 1971.