- Okasa(plaintiff) has an auto insurance policy and had quarterly premium payments
- Was sent a letter by insurance that the policy is going to be canceled by March 16 unless payment is received
- The day before that deadline, she mails a check by certified mail and gets a receipt
- On March 16, she is in an accident with an uninsured driver
- Uninsured driver, then you make a claim on your own policy
- Insurance denied the claim on the basis that they didn't receive her payment by the 16th
- Sues the insurance for breach of contract and the insurance company wins summary judgment
- Appeals the case and wins the appeal
- She won because, under the mailbox rule, she accepted their offer when she sent her acceptance(check) the day before the deadline