What happens when two policies cover the same dwelling? (Editor's note: This will be the final "Down to Cases" column from Don Renau, who died in April. Starting with next month's issue, attorney Barry Zalma, a claims expert and frequent contributor

Coverage for motor cargo "in transit" may apply while trailer is parkedA cargo company in Tennessee arranged to have an independent trucking company transport freight for it. The trucking company agreed to indemnify the cargo company for any loss,

When you drink and drive,death is no accident, court rules Late one night, a driver in West Virginia lost control of his vehicle and crashed into the back of a tractor trailer that was parked eight feet off the edge of the highway. The driver was not

Agent found not responsible for maintaining low-cost coverage optionIn 1994, a professional employer organization (a firm that leases employees to other businesses on a long-term basis while also providing such services as payroll and benefit

Insurer has a hard time subrogating against possibly negligent landlord A company in Tennessee leased a storage facility. A shed owned by the landlord and located next to the leased premises caught fire in 1998, allegedly because of the landlord's

In this New York case, a man shot and killed a potential assailant inside the man's home. The two had become involved in a dispute relating to their business relationship. The man who was shot weighed about 360 pounds and was much larger than the

A Wisconsin woman inherited a property from her father in early 2002. Her father had insured the property for $150,000, and the woman and her husband later procured a policy for the same amount through an insurance agent. The agent confirmed the

In January 1997, a general contractor entered into a contract with the City of Los Angeles Harbor Department for the construction of a community center. A subcontractor on the project had a liability policy with a policy period running from Sept. 5,