Stop-gap endorsement to commercial liability insurance policy Substantial-certainty intentional tort Language in a commercial liability insurance policy stating that insurance does not apply to bodily injury resulting from an act that is determined to have been committed by an insured with the belief that an injury is substantially certain to occur does not require a final determination by a fact-finder before the insurer can refuse to defend a claim alleging a substantial-certainty employer intentional tort.
Uninsured motorist coverage provides protection in the event that an insured person's injury is caused by a negligent uninsured driver. Underinsured motorist coverage, in combination with uninsured motorist coverage or separately, protects a described named insured and other insured persons when they are legally entitled to recover damages for bodily injury caused by a negligent driver; and it applies, within specified limits, when the negligent driver has valid and collectible bodily injury liability insurance, but in an amount insufficient to indemnify the claimant or claimants. Obviously, agents, brokers, customer service representatives and employees of insurance companies who advise insureds must be informed on the scope of coverage and the requirements of the state involved, so th...
The minimum auto insurance coverage needed in the State of New Mexico is liability insurance in the amount of $25,000 bodily injury per person per accident, $50,000.00 bodily injury per accident, and $10,000.00 for property damage. This is referred to as 25/50/10 when an insurance provider is quoting you liability coverage. The general rule in auto insurance is that you should carry enough liability coverage to protect the value of your assets and 10 years income. Most insurance agents offer a free insurance review to make an accurate determination of the appropriate coverages that you would need to protect your assets. UNDERSTANDING
Insurance policy – automobile liability policy – bodily injury – underinsured motorist coverage – UM/UIM coverage – ambiguity in an insurance policy - primary insurer – summary judgment – final, appealable order.
...insuring agreements. I. Coverage A?Bodily injury and property damage liability. To pay on be... not constitute workmen's compensation insurance as required under the laws of any state. II. Defin...
* Homeowner Insurance covers three primary areas: the dwelling, the contents and liability. There are a number of variations in homeowner policies, but the minimum coverage should be for 80 percent of the home's replacement value and at least $300,000 in liability coverage. Renters should have insurance to cover the contents of their apartment and as well as liability coverage. * Auto Insurance covers five primary areas: bodily injury liability, medical expense payments, property damage, and collision and comprehensive coverage for your automobile. Minimum coverage should be $100,000 for a single injury, $300,000 for all injuries and $100,000 for property damage. * Personal umbrella liability insurance (sometimes called excess liability) protects the insured against catastrophic lawsuit...
Dean Thompson has been promoted to chief knowledge officer at J.H. Cohn LLP in Roseland. Thompson had been serving as marketing director for the firm's business investigation services practice. In his new role, he focuses on a combination of strategic business processes and systems with the goal of leveraging J.H. Cohn's information, knowledge and people to their fullest for the benefit of its community, clients and associates. Thompson, who joined J.H. Osias has represented corporate and institutional policyholders in matters involving a variety of insurance coverage issues, including asbestos-related bodily injury, environmental liability, product liability, advertising injury, errors and omissions and director and officer liability.
An insured cannot abandon a bodily injury claim against a tortfeasor's liability insurance and directly seek underinsured motorist coverage from a UM/UIM insurer.
INSURANCE LAW – insured, bodily injury, coverage, commercial umbrella policy, named insured, summary judgment, personal liability endorsement, declaratory judgment, motor vehicle, unambiguous.
Gov. Kathleen Babineaux Blanco must soon decide whether to veto a bill raising Louisiana's minimum liability auto insurance coverage - and driver premiums - or sign it into law, which insurance industry experts say will increase the number of uninsured motorists. Senate Bill 223 by State Sen. Mike Michot, R-Lafayette, raises the minimum liability auto insurance policy from 10-20-10 levels ($10,000 for bodily injury for one person, $20,000 for all injuries and $10,000 for property damage) to 25-50-25.
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