WPC  XW;Јr4"kpBCR~'߼רmYA[Rn X14 Bv4HնPFC* ̒|ve:2A+{tCKu##ikqCx](#X92wHyc/vʝ 3qD쇂18*B,K!ET2L#U긇KeԮhdNIt(y m0*tfe "c]r8ů/WmmL뾼!Ğ?02Չnݽ(9꠴ZΖtG9Z[b ]CC;sme>ۛW^vrRe=9hJ{ؼkX9O-xP(cP2-t 8PO;8eW`%3awweY7ahu:X*# LUNW % 04b 0~~^ w@4 mU:KU:N N N N N N N N N N N N N N AQ  0D 0D 0D' ' D/k B B D3 HP LaserJet 4SiHPPCL5MS,,,,,,0nLh("  Z6Times New Roman Regular( U$  - -(G(2k($ U!   XX    0   B&c klmUnopqrsӀ}~-&*EDɂ3|xU ""  k   Ad FILEDXv Xk  February8,1999CecilW.CrowsonAppellateCourtClerkdAh ,@AZ"Arial Regular ""  k   Ad FILEDXv Xk  February5,1999CecilW.CrowsonAppellateCourtClerkdAh ,@AZ"Arial Regular!"#$&C<< CLevel 1Level 2Level 3Level 4Level 5(3$ !  (3$ !  ($$   1  ((' dxd dP Pd'''''dxd U!   _XTR[A' Legal3'A' Legal3'T7add7    }sr )<,(j 8` `@E ` 8ttxPX  rs}}r )<,(j 8` `@E ` 8ttxPX  r}@ JINTHECOURTOFAPPEALSOFTENNESSEE@)JATNASHVILLE bԈ h 'dX|XX'STATEOFTENNESSEE,exrel.0 | ) (|%|% DOUGSIZEMORE,Commissioner0 | ) >|%|% ofCommerceandInsuranceforthe0 | )T |%|% StateofTennessee,0 t 0t%t%0|%%)j |%|%  l     t    | ) l Petitioner,0  0t%%0t%t%0|%%)0|%|%DavidsonChanceryF %%  l     t    | )0  No.921120I(II)\ %% VS.0 l 0 l %l %0 % %0t%%0t%t%0|%%)r |%|%  l     t    | )UNITEDPHYSICIANSINSURANCE0 | )0|%|%AppealNo.%% RISKRETENTIONGROUP,0  0|%%)0|%|%01A019706CH00253%%  l     t    | ) l Respondent.0 t 0t%t%0|%%)0|%|%  l     t    | )Insured:BillyC.Johnson,M.D.0 | ) \|%|% Claimant:EstateofBlendoraAnnEchols0 | )"r|%|% b@zz&J CONCURRINGOPINION bԈ d mmllki@@@&J  !ACONCURRINGOPINION#A! x #  "` ik l Iconcurwiththecourtsopinion.Insurancecompanieshavetherighttoassumethattherisktheyundertakewillnotlaterbeenlargedbythecourts.See $ Schultzv.TennesseeFarmersMut.Ins.Co.,218Tenn.465,p474ppi___ip,404S.W.2d480, :&! q484qqi___iq(1966).Accordingly,thecourtsarenotatlibertytorewritepoliciesofinsurancetoprovidecoveragewherenocoveragewasintended.SeeSpearsv.CommercialIns. |)$# Co.,866S.W.2d544,r548rri__iiir(Tenn.Ct.App.1993).Dr.Johnsondidnotcontractfor +m&% prioractscoveragewhenhepurchasedhisUPIinsurancepolicy.Accordingly,UPIneverprovidedcoverageforclaimssuchasBlendoraAnnEchols.nn l     t    | ____________________________ l     t    | WILLIAMC.KOCH,JR.,JUDGEo l     t    | _______________________________ l     t    | WILLIAMC.KOCH,JR.,JUDGEo