Insurance policies abound with the use of the phrase arising out of. Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.
Most if not all liability insurance policies have clauses dealing with supplementary payments: the standard Business Auto policy (BAP), Personal Auto policy (PAP), and General Liability policy all contain supplementary payments sections.
Many people own and require insurance for vehicles that are not typical private passenger automobiles, but are not commercial vehicles either. Read on to see how rates and coverages for these vehicles differ from an insured's standard private passenger auto.
Every now and again there are reports of groups becoming ill after eating something, whether it be hamburgers, chicken or certain fruits or vegetables. The foodborne illness usually affects multiple people in multiple areas, even when the contamination comes from one source. Such illnesses can then lead to multiple injury...
When foodborne illness strikes, an insurer must decide whether to address the ensuing claims as one occurrence or multiple.
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