A North Carolina appeals court found that a passenger in an automobile who grabbed the steering wheel while the vehicle was in operation was not in…

The Supreme Court of Georgia held that the state's uninsured motorists (UM) statute requires an insurer to pay damages to its insured (a father) for…

Exception to Pollution Exclusion Applies to Oil Spill Cleanup   In Clean Harbors Environmental Services, Inc. v. Boston Basement Technologies, Inc.,…

Swine Flu and CGL Coverage November 16, 2009 The publicity regarding swine flu has raised a question in our office. Will the general liability policy…

Liability and Property of Others In discussing homeowners additional liability coverage on property of others you say that protection extends to property…

Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…

Expected or Intended Damage—Damage to Friend's Auto Hood An insured we represent was at a party with several friends. At some point during the party…

Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…

Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…

Our HO 00 03 05 01 insured recently suffered damage from melting ice and snow.