A New Jersey Senate Bill that imposes a liability insurance requirement on those wishing to carry a firearm in public was signed into law by Gov. Phil Murphy in December 2022.

The reservation of rights letter is often misunderstood by insurers, insureds, and attorneys. This treatment attempts to clarify its use.

Editors favorite coverage questions from 2022 including bears, bull semen, motorized surfboards and arson.

When the supposedly burned property didn't exist or wasn't in the building.

When an insured dies, who is allowed to drive the vehicle?

When you get caught forging documents you don't get paid.

The collisions and injuries have to exist on more than just paper.

Policy language regarding cosmetic repairs and an endorsement requiring like kind and quality seem to be at odds in this particular question dealing with matching.

When trying to cover up your staged accident you get in trouble with the FBI.

What happens when exposure to the peril is during the policy period, but the damage doesn't occur until after the policy lapses?