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Coverage for heroin dealers found to be against public policyIn 1998, a young woman in Pennsylvania went to a man's home one evening, hoping to obtain heroin. At the time of the visit, the man was said to have been drinking beer and was under the

No coverage for sexual assault found in homeowners policy A young girl and her mother filed a complaint against the girl's paternal grandparents and their son (the girl's uncle), alleging that the uncle "sexually abused and sexually exploited" the

Broker can't intentionally misrepresent facts on an insurance application In 1998, a California general contractor was sued for its work on a single-family residence. The contractor's insurer initially undertook the defense of the claim under a

Third party not bound by agreement between carrier and its insured A company that arranged to have wood chips hauled for an affiliate in the lumber and pulpwood business contracted with a marine towing firm to tow seven hopper barges to Williamston,

Injury from stepping out of parked pickup found to be a 'motor vehicle accident'A man was injured when his foot became entangled as he got out of his pickup truck. No other vehicle, person or object was involved in the incident. The pickup was

Insurer's agreement with insured to not pay loss leads to bad faith claim On Jan. 8, 2000, a woman was driving a car, owned by her mother, when she collided with a parked, unoccupied car. The woman left a note asking the owner to call her. The driver

Coverage under homeowners policy for fungus damage ruled ambiguous A woman bought a homeowners policy for her 70-year-old home. The policy did not cover "(1) a loss consisting of or caused by...rust or other corrosion, mold, wet or dry rot or (2) a

Association responsible for insurance, but is condo unit owner's policy valueless? A woman owned a unit in a California condominium development managed by its homeowners association. Under the condominium's declaration of covenants, conditions and