A Missouri appeals court held that a notice of cancellation of the policy, stating that the cancellation was immediately effective, was not nullified by the policy terms. The case is Stone v. Farm Bureau Town & Country Ins. Co. of Missouri, Nos. 26965, 26979, 2006 WL 2915680 (Mo. App. S.D. Oct. 11, 2006).

On December 23, 2002, Arlene Bateman was driving a truck and hit another vehicle occupied by Albert and Nadine Stone. Nadine was killed in the accident, and Albert was seriously injured. The Bateman's insurer, Farm Bureau, said their auto liability policy had been canceled on October 9, 2002, for nonpayment of premium.