"Here, Estep contends that his accident occurred while he was loading his car with luggage, which was part of a greater mission of returning home to Chesapeake with that luggage," Judge Frank K. Friedman wrote on behalf of the majority. "Simply put, transporting luggage is a valid and expected use of a vehicle, and one cannot transport the baggage without first packing the vehicle."
The worst winter storm of the season threatens to bring snow, ice and cold from Nova Scotia to Florida, including a foot or more in Boston and a few inches in Manhattan.
The insurance industry can do more to encourage natural risk protection. Here's a dozen examples of U.S. communities harnessing nature to protect against natural disasters.