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.…

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

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…

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…

Damage to Husband's Company Car by Wife   Our insured has two cars—a company car insured by his employer and his wife's car, insured in our…

Psychological Injury Arising from Bodily Injury Our personal auto insured was recently involved in an at-fault accident. She has $10,000 of medical…

Fungi or Bacteria Coverage Question Our insured is a pest control business. Endorsement CG 24 25, limited fungi or bacteria coverage, is attached to…

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

Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…