Actual Cash Value Insufficient for Damages to Historic Building<br> <br>In Rockford Mut. Ins. Co. v. Pirtle, 911 N.E.2d 60 (Ind. Ct. App. 2009), the…

Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…

Personal Umbrella Liability Insurance June 2007 Usual Features and Provisions Summary: Personal umbrella liability insurance, often confused with…

Liability for Injury on Motor Home Campsite The insured has a motor home which he drives to a rented campsite for a weekend of pleasure. A third party…

Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…

Table of Limits—Archived Article May, 2006 Financial Responsibility andCompulsory Insurance Laws Summary: The table that follows displays…

Condominium Assessments with HO 17 32 and HO 04 28 Endorsements This is a claim under the HO-6 Condo Owners Policy with HO 17 32 endorsement and HO…

Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…

Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Special Provisions - Variations by State—Archived Article February, 2004 Introduction Although some states have not yet approved use of the…