Litigation

The teacher's doctor diagnosed her with severe complications from recurrent migraines due to cumulative head trauma from her work injuries.

The silo collapse that triggered the disputed claim occurred in 2018.

The letter signed by the companies calls the lack of a disclosure requirement "inexplicable."

The insurer denied the underlying claim under the policy's inherent-vice, faulty-workmanship, settling, and wear-and-tear exclusions, and upheld that denial on reconsideration.

The cases, filed in the U.S. District Court for the Eastern District of Tennessee, involve separate claims against USAA.

The court made its determination after analyzing the Insurance Code and New Jersey's no-fault act.