Midwest Insurance Law Guide
INSURANCE ORNITHOLOGY: 3 Types of “Insured” Birds
Case law makes a distinction...... ....which means that we insurance nerds should too. 1. The Named Insured. This common bird pays for the policy and it is issued in his name. He is the policyholder. When the policy uses the words "you" or "your," it is referring only to him. When the [...]
DRAFTING A PROPER RESERVATION OF RIGHTS LETTER
WHY IS THIS IMPORTANT? BECAUSE COVERAGE CAN HINGE ON IT. An insurance company has three options after tender of a claim: 1. It can accept the defense and payment of the claim; or 2. It can deny the claim outright because there is no coverage under the exact terms of the [...]
“TEACHERS” – THE PREMIER IS COMING!
"TEACHERS" - MY DAUGHTER'S TV SHOW - IS PREMIERING ON THE "TV LAND" CHANNEL IN JULY. (She is the blond in the middle.) WHAT DOES THIS HAVE TO DO WITH INSURANCE? Nothing at all. Sometimes we just need to balance our intellectual curiosity about insurance with cultural frivolity.
WIERD AND WACKY COVERAGE CASES – SAY IT ISN’T SO!!!
Every once in a while, Dear Readers, I come across a crazy case that begs to be publicized. This is one of them. Can a priest obtain coverage for an affair with a parishioner's wife? Short Answer: NO!!! In Drew v. Church Mutual Ins. Co., No. 13-CV-01906 JLL MAH, 2014 WL 2436273, [...]
Auto Coverage for Business Use – A Primer
Does Your Personal Auto Policy Cover Losses Which Occur During A Business Pursuit? More and more of us are using our own car for work purposes. If we are involved in a car accident while working, are the losses covered? Maybe and maybe not. The standard ISO personal auto policy form states that: This [...]
Insurance News Flash: MANURE IS A POLLUTANT!
This should be no surprise to my dear readers! The Wisconsin Supreme court has recently ruled that manure contamination is not a covered loss under the standard CGL policy. In Wilson Mutual Ins. Co. v. Falk, 2014 WI 136 (Wis. 2014), the court ruled that manure runoff, which had contaminated several nearby drinking [...]
About the Blog
The Midwest Insurance Law Guide provides legal insight into complex insurance issues – in an inviting and uncomplicated manner. Our goal is to help insurance executives, claims professionals, and attorneys understand how the law interprets policy language.
Anne Marie O’Brien and Mike Storey
Editors and Authors
