Happy New Year! You know what that means: It's time for your 2016 New Year's Resolutions, and I ask the industry to stop ignoring punctuation.
You may recognize this to be a corollary or logical offshoot of my ongoing resolution of prior years, to “read the forms,” and you would be right. Let's move on to the more precise subset of form-reading at hand. Alert reader “Q” sent me the following question, which relates to a claim involving a carrier-specific liability form:
A producer had a claim denied for either medical payments or bodily injury liability. We contend coverage is present under the Incidental Liability Coverages section 5.a.2. The company contends section 5.a.2 continues on with 5.b. We think that without the existence of conjunctive word AND, 5.a. and 5.b. are separate and distinct. Additionally, there is no semicolon that would link 'a' to 'b' either. We are looking for coverage for the golf cart “on premise,” but this carrier states that it is not present, and it cannot be made present by any endorsement or other form.
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