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Articles on Insurance Law

Underinsured motorist coverage: definitions: Insured Insurance Law, October 1999 Pekin Insurance Company (Pekin) issued an automobile policy to two partners doing business as Freedom Heating.
Underinsured motorist coverage: stacking Insurance Law, October 1999 Stacking of UIM coverage was allowed due to ambiguity of policy's antistacking provision.
Words and phrases index Insurance Law, October 1999 Transmission of complaint to insurer did not furnish sufficient written notice of potential claim under policy's extension clause for three unrelated complaints filed after coverage terminated.
1998 Index Insurance Law, June 1999 This 1998 Index of The Policy is A SUPPLMENT to the previously published Twelve-Year Index.
Alphabetical listing of cases Insurance Law, June 1999 Allstate Insurance Company v. Mathis, 302 Ill.App.3d 1027, 706 N.E.2d 893, 236 Ill. Dec. 19 (3rd dist. 1999) EXCLUSIONS: BUSINESS ACTIVITIES (1124)
Assistance and cooperation Insurance Law, June 1999 Owner's and general contractor's failure to tender defenses to their own liability insurers was not breach of cooperation clause under subcontractor's CGL policy naming them additional insureds.
Cites from March 1999 issue Insurance Law, June 1999 American Alliance Insurance Company v. IARW Insurance Company, Ltd., 165 F.3d 558 (7th Cir. 1999)
Collateral estoppel Insurance Law, June 1999 Insurer that defended insured in underlying action without reservation of rights was collaterally estopped from relitigating issue of insured's liability in subsequent arbitration.
Declaratory judgment: timing Insurance Law, June 1999 Duty of indemnification ripe for consideration only when insured has incurred liability in underlying claim.
Definitions: arising out of the ownership, maintenance or use Insurance Law, June 1999 "Resulting from" is synonymous with the phrases "arising out of," "connected with," "originating from," "growing out of," and "flowing from," and is broadly construed.
Duty to defend: additional insured Insurance Law, June 1999 Injury to employee of subcontractor arose out of subcontractor's work as a matter of law.
Duty to defend: conflict of interest Insurance Law, June 1999 Insurer could no longer control the insured's legal representation once insured and insurer became antagonists because of insured's bad faith claim against insurer.
Duty to defend: estoppel Insurance Law, June 1999 Co-insurer waived right to contest reasonableness of settlement by refusing to settle or try the case, or challenge reasonableness of settlement amount.
Duty to defend: tender Insurance Law, June 1999 Owner's and general contractor's sole tender to subcontractor's insurer as additional insureds foreclosed insurer's action for equitable contribution.
Duty to defend: trigger of coverage Insurance Law, June 1999 Parent's claim of injury from sexual assault of their children occurred at time of assault, even if source of injury was unknown.
Exclusions: business activities Insurance Law, June 1999 Day care service provided by insured to friend's children held to be excluded "business activity" under renter's liability policy.
Exclusions: named insured’s work Insurance Law, June 1999 Coverage excluded under CGL policy for property damage to swimming pool arising out of insured's painting and maintenance work on pool.
Health insurance: applications Insurance Law, June 1999 Health insurer had no duty to investigate truthfulness of answers to questions on applications.
Health insurance: exclusions Insurance Law, June 1999 Plaintiff, Kimberly Graham, was diagnosed with breast cancer in October of 1995. She underwent a modified radical mastectomy and sought preventive care to avoid recurrence of the cancer.
Health insurance: misrepresentations Insurance Law, June 1999 Recent amendment to section 154 of Insurance Code eliminating requirement that application must be attached to policy in order for insurer to rely on a misrepresentation does not apply retroactively.
Policy: ambiguity Insurance Law, June 1999 The plaintiff, Stone Container Corporation, is a large manufacturer of pulp, paper and paper products which it makes in huge steel tanks called "pulp digesters."
Underinsured motorist coverage: exhaustion clause Insurance Law, June 1999 John Hinde was injured in an accident when he was struck by a vehicle operated by Timothy Estrada.
Underinsured motorist coverage: setoff Insurance Law, June 1999 Kirk Roberts was seriously injured in an accident while driving a truck in the course of his employment. The driver of the other vehicle paid the limits of his insurance policy to Roberts.
Words and phrases index Insurance Law, June 1999 Owner's and general contractor's failure to tender defenses to their own liability insurers was not breach of cooperation clause under subcontractor's CGL policy naming them additional insureds.
Agent/broker: fiduciary duty Insurance Law, March 1999 Insured's failure to read and understand terms of policy is not an absolute bar to insured's right to recover against broker for breach of fiduciary duty.
Alphabetical listing of cases Insurance Law, March 1999 Adco Oil Company; The Home Insurance Company of Illinois v. American Alliance Insurance Company v. IARW Insurance Company, Ltd., ___ F.3d ___ (7th Cir. 1999) FIRE INSURANCE: TIME LIMITATION (1099)
Arbitration Insurance Law, March 1999 Statutory requirement for uninsured motorist arbitration cannot be waived or stipulated away.
Cancellation: notice of Insurance Law, March 1999 Insurer must maintain proof mailing as set forth in Insurance Code in order for cancellation to be effective.
Declaratory judgment: procedure Insurance Law, March 1999 Mary A. Marshall was involved in an automobile accident with Lucas D. Weller. Weller was driving a vehicle owned by Catherine S. Dillard and insured by Western States Insurance Company.
Duty to defend: in general Insurance Law, March 1999 A duty to defend exists if the allegations of the complaint alone raise a potential for coverage.

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