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Insurance policies are contracts. (iStock) Insurance policies are contracts. Like most contracts, insurance contracts rely on state law to determine when coverage applies. (iStock)

Like most contracts, insurance contracts rely on state law to determine when coverage applies. In one recent case, the insurer claimed that it had no duty to defend the insured because it hadn’t been notified of the claim in what it considered a timely manner as required by the policy.

The policyholder disagreed, saying that the insurer was required to provide coverage, including a defense, because the policy had been “issued or delivered” in the state of New York. The dispute eventually ended up in the U.S. District Court for the Eastern District of New York.

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