When assigning liability, two legal theories come into play: Efficient proximate cause and concurrent causation.

Accidents and property damage may not be covered by personal insurance policies.

Volcanic damage, losses from earthquakes and land shocks may not be covered for homeowners.

Here's an overview of changes and revisions to the 2018 ISO personal auto policy language.

The annual NCAA tournament brings in the usual risks associated with college-level sporting events — with one exception.