Duty to Defend—State Case Law—Archived Article October, 2003 A State-by-State Summary Summary: We noted in another discussion (see…

Resident Relative and Separate Policies May 3, 2016 The insureds are a mother and daughter who reside together. The mother has an HO-3 policy (HO 00…

Failure to Maintain Heat May 9, 2016 The insured has a secondary home with oil heat. The electricity was on and the heat was set at 55 degrees. During…

Detachable Trailer May 9, 2016 Under the Property Not Covered section, the DP 00 01 12 02 states the following: e. Motor vehicles or all other motorized…

Valued Policy and Application of Deductible May 9, 2016 We are hoping you can solve an internal disagreement about the deductible application on…

Discusses coverage for carpet and other property within an other structure; does ACV or RCV apply?

Is time spent sorting property returned to the home covered under ALE?

Can med-pay apply when the additional insured is injured on the property?

A brief review of insurance responsibility laws.

Towing and Labor Costs April 25, 2016 Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith…