January 2009 Dec Page

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Question of the Month

 

Various insurance forms contain language excluding coverage for occurrences “arising out of” a particular set of circumstances, such as using a motor vehicle without permission or engaging in a certain type of business activity. So, the question then is, what exactly does the phrase “arising out of” mean? Does the language equate with “caused by”, or “resulting from”, or perhaps “in the course of”?

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