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Okosa v hall what was the issue the issue in this

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OKOSA v. HALL: What was the issue? The issue in this case is whether the Okosa’s belated payment of their automobile insurance policy was sufficient to avoid the cancellation of their policy and allow the filing of their claim for the automobile accident that occurred the day after. Interpretation of the application of the “Mailbox Rule” is required for resolution for this case There is no dispute that the insurance carrier addressed the Okosa’s by mail concerning their late payment. The use of certified mail by Okosa’s was perspicacious because it insured proof of mailing and its use avoided the thorny issue which would arise from a fraudulent response by them that post-dated the accident. Their payment was mailed the day before the policy was due to cancel. The ruling of the courts was correct in this case.
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**Generally speaking, the Mailbox Rule sanctions the formation or completion of a contractual undertaking upon the act of mailing where the use of the mail is authorized by the other party as the medium for response. The rule is succinctly set forth as follows: Where parties are at distance from one another, and an offer is sent by mail, it is universally held in this country that the reply accepting the offer may be sent through the same medium, and, if it is so sent, the contract will be complete when the acceptance is mailed, and beyond the acceptor's control; the theory being that, when one makes an offer through the mail, he authorizes the acceptance to be made through the same medium, and constitutes that medium his agent to receive his acceptance; that the acceptance, when mailed, is then constructively communicated to the offeror. FIRST TEXAS SAVINGS ASSOCIATION v. YVONNE JERGINS Simply posting new contest rules at the First Texas branches was not enough to give them the right to revoke the original offer because they did not make any attempt to actually reach out to the individuals who actually submitted completed forms. Without all contestants being notified of the new rules, First Texas could not expect them to know that anything had changed in the contest nor could they expect that the contestants accepted the terms of the new rules. Jergins was not directly notified of the new terms and therefore did not accept them. Sumerel v. Goodyear Tire & Rubber Company Issue : The courts must determine if the email sent by Brooks to Gray should be considered a valid settlement offer. It also must be determined that if the email upholds as a settlement agreement, should it be voided due to the unilateral mistake that was made in the figures. Does the effect of the mistake render the enforcement of the contract unconscionable? Did the Plaintiffs have knowledge of the mistake? It must also be determined if Goodyear was aware of the mistake (even in part if they did not acknowledge that their knowledge of the situation was limited and continued with negotiation as if they had sufficient information to do so) at the time that the contract was made. In contract cases, when the facts are undisputed and
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