Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…

Special Provisions - Variations by State—Archived Article February, 2004 Introduction Although some states have not yet approved use of the…

UM Policy Restrictions Not in Violation of State Law   In Bush v. State Farm Mut. Auto. Ins. Co., 2009 WL 1351821 (Ind.) , Leonard Bush, Jr. was…

Insurer Has No Duty to Defend Alleged Abuse and Torture by Insured's Employees   In CACI Intern., Inc. v. St. Paul Fire and Marine Ins. Co. 2009…

Examination under Oath (EUO) and the Duty to CooperateThe carrier has demanded that our insured produce employees for an examination under oath.…

Pollution Liability Coverage Forms—Archived ArticleOctober, 1998Protection for Pollution LiabilitySummary: Exclusion…

Estate of Worker Can Recover UM/UIM in Addition to Workers Comp   In State Farm Mut. Auto. Ins. Co. v. Slusher, 2009 WL 485027 (Ky.App.), State…

Mechanical or Electrical Breakdown Exclusion and Damage Caused by Voltage Regulator An insured was driving his vehicle when he smelled smoke. He pulled…

No Coverage for Third Party under Insured’s UM/UIM   In Allstate Ins. Co. v. Fackett, 2009 WL 1181843 (Nev.), respondent Deborah Ann Fackett's…