Brudal v. Adriana's Insurance Services CA4/2

── Brudal v. Adriana's Insurance Services CA4/2 ── Court: California Court of Appeal Date: May 08, 2026 Category: General Filed 5/8/26 Brudal v. Adriana’s Insurance Services CA4/2 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115. IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA FOURTH APPELLATE DISTRICT DIVISION TWO ALEXIS A. BRUDAL, Plaintiff and Appellant, E086135 v. (Super.Ct.No. CIVSB2105208) ADRIANA’S INSURANCE SERVICES, OPINION INC. et al., Defendants and Respondents. APPEAL from the Superior Court of San Bernardino County. Donald R. Alvarez, Judge. Affirmed. Alexis A. Brudal, in pro. per., for Plaintiff and Appellant. Colman Perkins Law Group, James D. Gustafson, John N. Haramalis, Talia Yessaie, and Truong X. Pham for Defendant and Respondent, Aspire General Insurance Services. 1  Plaintiff Alexis Brudal appeals from the summary judgment entered in favor of defendant Aspire General Insurance Services (Aspire). We affirm. BACKGROUND Brudal obtained an automobile insurance policy (the policy) from Aspire effective from December 19, 2018, through June 19, 2019. Adriana’s Insurance Services, Inc. (AIS) was Brudal’s insurance broker. Brudal renewed the policy three times, with the last effective date of June 19, 2020, through December 19, 2020. The policy provided: “We may cancel only for the following reasons: [¶] 1. you do not pay the required premium for this policy when due ….” (Boldfacing omitted.) Brudal enrolled to have his monthly premium paid automatically via credit card. For the policy’s last six-month term, Aspire sent Brudal an invoice that included a schedule of the monthly payments that would be automatically withdrawn during that period. Before Brudal renewed the policy in June 2020, Aspire sent Brudal a notice of cancellation on May 21, 2020. The notice informed Brudal that the policy would be cancelled effective June 1, 2020, if Brudal did not make a minimum payment of $121.42. AIS informed Brudal that the credit card he had on file to make automatic payments had expired and thus needed to be updated. On May 29, 2020, Brudal went to AIS’s office and paid the amount due, along with an additional payment for the following month. Brudal made the payment with a new credit card (the new card). Brudal updated his 2 credit card information on file with AIS so that his monthly automatic insurance premium payments would be made on the new card. On May 29, 2020, Aspire prepared a renewal invoice for the policy period of June 19, 2020, through December 19, 2020, again including a schedule of monthly premium payments. A monthly premium of $122.45 was due on the policy on July 20, 2020. When Aspire attempted to charge a credit card of Brudal’s for the payment, Aspire did not use the new card, and the charge was declined. On the following day, Aspire mailed Brudal a notice of cancellation via certified mail. The notice informed Brudal that he had to pay a minimum of $122.45 by August 1, 2020, to prevent cancellation of the policy. Aspire also informed Brudal of the policy status via an automated telephone message sent on July 29, 2020. Aspire did not receive payment by the August 1, 2020, deadline and therefore cancelled the policy effective that date. Aspire notified Brudal