
137 N.W.2d 690 (1965)
Meindert H. ULLMANN, Administrator of the Estate of Harriett Kay Ullmann, Plaintiff-Appellee,
v.
H. M. REED, d/b/a Reed Insurance Agency and LeMars Mutual Insurance Company, Defendants-Appellees,
Farmers Elevator Mutual Insurance Company, Defendant-Appellant,
C. H. Taylor, Administrator of the Estate of Truman Michael, Defendant to Cross Petition-Appellee.
No. 51771.
Supreme Court of Iowa.
October 19, 1965.
*691 Lund & Lund, Webster City, for defendant-appellant.
Winkel & Winkel, Algona, for plaintiff-appellee.
Batschelet & Thompson, Guthrie Center, for H. M. Reed, defendant-appellee.
Mahoney, Jordan, Statton & Smith, Boone, for LeMars Mutual Ins. Co., defendant-appellee.
Taylor & Taylor, Guthrie Center, for C. H. Taylor, Administrator, defendant to cross petition-appellee.
THORNTON, Justice.
This is a declaratory judgment action tried in equity, apparently by agreement. Our review is de novo. Sanborn v. Maryland Casualty Company, 255 Iowa 1319, 125 N.W.2d 758. See Werthman v. Catholic Order of Foresters, Iowa, 133 N.W.2d 104, 106.
Plaintiff's decedent was killed in an intersection collision with an automobile allegedly driven by Truman Michael. Mr. Michael was killed in the same collision. Plaintiff administrator brought an action against the legal representative of Mr. Michael's estate. He then commenced this action alleging a controversy has arisen between defendant Farmers Elevator Mutual Insurance Company and defendants H. M. Reed, d/b/a Reed Insurance Agency, and LeMars Mutual Insurance Company, Farmers carried uninsured motorist protection in the maximum amount of $10,000 on the car in which his deceased was riding, that said company denies liability on the grounds the other defendants are jointly or severally liable to the extent of $10,000 to the Michael estate for any judgment recovered in the wrongful death action, and such defendants deny any liability on their part jointly or severally, and prayed for judgment declaring one or more of the defendants were liable for any judgment he obtained in the wrongful death action to the extent of $10,000. Defendant LeMars moved to bring in Michael's administrator and filed a cross-petition against such administrator praying for declaratory relief holding it not liable to the Michael estate or any other party to the action. The administrator of Michael's estate filed an answer to LeMars' cross-petition and cross-petitioned against LeMars alleging LeMars was estopped to deny the insurance coverage Truman Michael applied for and waived any right to deny coverage for the unreasonable time having elapsed from the time Reed, its agent, had knowledge LeMars denied coverage to the time of Michael's death and for fraud and deception in informing the wife of Truman Michael that said policy was binding, and prayed LeMars be required to defend and pay any judgment against him in the wrongful death action. The administrator of the Michael estate made no claim against the insurance agent, H. M. Reed.
Plaintiff amended his petition alleging estoppel and waiver against both LeMars and H. M. Reed. Responsive pleadings to those of plaintiff were filed by both LeMars and Reed, and by LeMars to those of the administrator of the Michael estate.
Farmers filed answer to plaintiff's petition admitting it had uninsured motorist coverage on the car in which plaintiff's decedent was riding. It alleged:
"* * * This defendant believes and has been advised that the said LeMars Mutual Insurance Company did, or had a temporary binder, issued upon the said vehicle owned and operated by the said Truman Michael, deceased, and which it was believed was in force and effect at *692 the time of the accident alleged herein and that said insurance had been provided through H. M. Reed, doing business as the Reed Insurance Agency for and on behalf of the LeMars Mutual Insurance Company and that there was insurance coverage upon the Michael vehicle at the time of the accident alleged herein. * * *."
And that plaintiff had made a claim no other insurance was available but there was no proof to substantiate such claim which is a condition precedent to its liability. Farmers in its prayer joined plaintiff in requesting a decree establishing insurance on the Michael vehicle and if not established liability be placed on Reed.
The trial court held LeMars and Reed were not liable and entered judgment against Farmers.
Farmers appeals urging for reversal Reed could and did bind LeMars in an insurance contract in favor of Michael and LeMars was estopped from declining coverage when its agent failed to notify Michael promptly of its declination. In support of this proposition Farmers argues the negligence of Reed in failing to notify Michael and the apparent authority of Reed to act for LeMars. And in its second proposition contends if LeMars is not bound by such acts or failure to act of Reed, Reed is liable for failure to exercise due care, and concludes such proposition thus, "* * * assuming the lower Court was correct in its conclusions of law as to a contract of insurance, then Reed exceeded his authority and in so doing would be personally liable."
From the pleadings above set out the only theory on which either LeMars or Reed could be held liable is that of estoppel or waiver. The claimed negligence of Reed is only material insofar as it shows estoppel or waiver. Sanborn v. Maryland Casualty Company, 255 Iowa 1319, 125 N.W.2d 758. Before liability can be cast on either, those so claiming must show one or both of these defendants would have been liable if a policy had in fact been issued, in short, the substance of the claimed contract, and Mr. Michael came within it. Winn v. John Hancock Mutual Life Insurance Company, 216 Iowa 1249, 1252, 250 N.W. 459; Hawkeye Clay Works v. Globe & Rutgers Fire Insurance Company, 202 Iowa 1270, 1273, 211 N.W. 860; Smith v. State Ins. Co., 64 Iowa 716, 718, 21 N.W. 145; Barre v. Council Bluffs Insurance Company, 76 Iowa 609, 611, 41 N.W. 373; and 46 C.J.S. Insurance § 1321f, pages 456, 457. The application shows the insurance was intended to cover a 1953 Chevrolet. The only evidence to show Michael was operating the 1953 Chevrolet comes from his widow. She testified on May 25, 1963, Mr. Michael had a 1951 Chevrolet, a 1952 Chevrolet, a 1953 Chevrolet and a 1949 Ford. Over objection she testified the 1953 Chevrolet was involved in the accident. On cross-examination she testified she did not go to or see the vehicle at the scene of the accident. She further stated that she did not know of her own personal knowledge that the 1953 Chevrolet was the one involved in the accident, but just knew what someone may have told her. Her cross-examination demonstrates her total lack of knowledge and reduces her testimony on direct examination to less than a scintilla. It will not sustain a finding. No effort was made to exclude the use at the time of one of the other cars owned by decedent, see Iowa National Mutual Insurance Company v. Fidelity and Casualty Company of New York, Iowa, 128 N.W.2d 891, or to call Mrs. Michael's informant.
Farmers' reply to the foregoing is, "The elements of the contract are not the difficult problems, as standard policies and minimum financial requirements control the problems herethis was not the issue." This statement is not supported by citation of authority or record reference. LeMars and Reed moved to dismiss at the close of the case for Farmers and the two estates because there was no showing the vehicle *693 involved in the accident was the subject of any policy and there was no showing of the terms and conditions of any policy. Ruling thereon was reserved.
In the pleading we find plaintiff alleged his decedent was killed in an auto accident when Mr. Michael ran through a stop sign into the side of the car in which she was riding. LeMars and Reed denied this on information and belief. Farmers admitted it. The cross-petition of the Michael estate alleges Michael sought to procure automobile liability insurance from LeMars through Reed, the application was for $10,000-$20,000 protection and $2000 medical pay, that Michael was killed in an auto accident out of which plaintiff's decedent, a passenger in another car, was killed. This was denied by LeMars. As pointed out above, Michael's administrator didn't counterclaim against Reed. Farmers' plea in confession and avoidance above set out was not pleaded to in any manner by any of the parties. Whether or not such pleading should have been filed need not be determined as Farmers has tried the case as if those allegations were in issue, see Connell v. Hays, 255 Iowa 261, 272, 122 N.W. 2d 341.
The application in evidence shows a contemplated policy for $10,000-$20,000 bodily injury on a 1953 Chevrolet. There is no showing relative to coverage under a "substitution" or "use of other automobiles" provision. See 7 Am.Jur.2d, Automobile Insurance, section 103, page 411, section 105, page 414.
Under the record we cannot find the terms of the policy were admitted or decedent Michael was driving a car covered by the contemplated policy was admitted. It was in issue. To hold LeMars liable under a theory of estoppel or Reed under such theory, if that is possible, it is at least necessary to show one or both would have been liable if a policy had in fact been issued. Affirmed.
All Justices concur.
