May 2011 Intro Page   Dec Page   The article of the month deals with retrospective rating. Retrospective rating plans are available for use…

May 2011 Dec Page Article of the Month   Retrospective rating plans are available for use with various types of insurance, but the more common…

Triggering Event for Coverage is Time of The Damage   Grange Mutual Casualty Company appealed a trial court's entry of summary judgment in favor…

Prejudgment Interest Pushes Recovery Over Policy limits   State Farm Mutual Automobile Insurance Company appealed from a Superior Court order awarding…

Direct Loss under Personal Auto Policy April 11, 2011 Our insured is involved in an accident. The accident damages two of the 4 tires on the vehicle.…

Digital Images Destroyed by Fire April 4, 2011 I have a total loss fire being handled under an all risk policy. A portion of the claim is for $3,755…

Marijuana Use Does Not Rule Out Workers Compensation Benefits   The Supreme Court of Montana received a workers compensation benefits appeal pertaining…

PIP Benefits and Workers Compensation Payments   The insured was injured in an auto accident during the course of his employment. He received workers…

Property Placed in a Trust March 28, 2011 I have several clients whose property has been placed in a living trust. They own nothing. Their trust…

April 2011 Intro Page   Dec Page   The question of the month deals with exclusions found on homeowners policies that pertain to activities…