Cancellation by substitution is not valid when the policyholder did not intend to cancel until in possession of the new policy and the loss occurred before the new policy was delivered--even though the new policy applied retroactively to the date of loss:
Songer v. State Farm Fire & Casualty Co., 80, 81 F. & C. 829, 414 NE 2d 768 Ill. App. Ct., 1980.
