General Liability

  • March 25, 2024

    NC Justices Undo Stacking Auto Insurance Coverage

    The North Carolina Supreme Court has overruled 30 years of intermediate appellate court adherence to "stacking" underinsured motorist policies, ruling the plain language of a state law only allows that type of coverage to be combined among policies on a vehicle involved with a collision.

  • March 25, 2024

    Colo. Justices Say Insurer's Vintage Car Exclusion Holds Up

    Colorado's justices on Monday ruled that specialty insurance policies for vintage cars can limit uninsured motorist coverage when they work "in tandem" with a policy for a regular-use vehicle, with the court finding that antique car policies warrant "different treatment."

  • March 25, 2024

    Geico Beats COVID-19 Auto Rebate Class Action On 2nd Try

    A California federal judge has granted Geico's bid for victory in a certified class action alleging the insurance company owed additional refunds to drivers who overpaid their auto insurance premiums during COVID-19 shutdowns, saying the company's rebate program was adequate and did not violate the state's insurance code.

  • March 25, 2024

    Tesla, Travelers Settle Wrongful Death Coverage Dispute

    Tesla and a Travelers unit reached an agreement in the parties' dispute over coverage of a wrongful death lawsuit involving a construction worker at a company factory in Austin, shortly after a Texas federal judge declined to strike three of the insurers' defenses.

  • March 25, 2024

    NC High Court Vacates Workers' Comp For Weight Loss Surgery

    A divided North Carolina Supreme Court has adopted a test for determining when someone is entitled to workers' compensation for treatment related to their workplace injury and, in doing so, reversed a ruling finding a preschool must pay for an employee's weight loss surgery.

  • March 25, 2024

    Divided NC High Court Backs Insurer's Mailer Coverage Win

    A deadlocked North Carolina Supreme Court has left undisturbed a lower court's ruling that an insurer needn't cover a law firm accused of violating the Driver's Privacy Protection Act by using personal information to market legal services to crash victims.

  • March 22, 2024

    Insurer Urges 9th Circ. To Reverse LA Port Co.'s Defense Win

    United National Insurance Co. urged the Ninth Circuit on Friday to reverse a ruling that the insurer was obligated to defend a Los Angeles port company against pollution claims brought by the city, saying the lower court erroneously failed to enforce the policy's qualified pollution exclusion.

  • March 21, 2024

    AI Presents Risk To Insurers And Policyholders, Panelists Say

    The growing use of artificial intelligence presents a risk to both insurers and insureds, experts said during a webinar Thursday, advising policyholders and their attorneys on how to navigate novel issues arising from the use of AI in the insurance industry.

  • March 21, 2024

    Calif. Panel Revives Diner's COVID Sanitization Coverage Bid

    A California state appeals court revived a diner's bid for property insurance coverage of COVID-19 losses after it determined the restaurant credibly alleged direct physical losses and that the policy's language covering losses attributable to a virus applied to COVID-19 sanitization efforts.

  • March 21, 2024

    2nd Circ. To Weigh 'Claim' Meaning In Family Share Dispute

    The Second Circuit on Wednesday will hear arguments over whether a New York federal court erred in finding that a contract exclusion barred any duty a Liberty Mutual unit had to defend a propane company and two of its executives in a family shareholder dispute.

  • March 21, 2024

    6 Questions For ZestyAI CEO Attila Toth

    As California regulators push proposals aimed at luring back insurance companies to the state's challenged market, advanced modeling techniques have taken a prominent place in the debate over how to best price risk as traditional methods lose relevance. Here, Law360 talks to Attila Toth, chief executive officer of ZestyAI, a risk modeling company that sells artificial intelligence-based risk models to insurers seeking to refine their risk assessment capabilities.

  • March 21, 2024

    Insurance Litigation Week In Review

    The U.S. Supreme Court considered the NRA's free speech rights and whether an insurer had standing in bankruptcy court, Geico was slammed with a $164 million payout, the Sixth Circuit seemed hesitant to force Amway to pay its own defense costs and Metallica's COVID-19 coverage case faded to black.

  • March 21, 2024

    Calif. Regulators' Pitch On Insurance Reform Draws Scrutiny

    Two regulations proposed to help lure insurers back to California's market by speeding up the state's rate approvals and allowing insurers to use catastrophe models to set rates are drawing scrutiny as industry and consumer groups weigh their potential effects.

  • March 21, 2024

    9th Circ. Backs Rescission Of Homeowner's Property Policies

    Two Safeco insurers are entitled to rescind policies issued to a woman who misrepresented that her house wasn't used for business when in fact it was rented to short-term guests, the Ninth Circuit affirmed, saying there's no genuine issue of material fact as to the commercial use of the property.

  • March 21, 2024

    Sanitizer Co. Faces Tough Ad Injury Coverage Bid In 2nd Circ.

    A company accused of falsely advertising that its sanitizing products were effective in disinfecting surfaces faces an uphill battle, experts say, as the Second Circuit is poised to hear oral arguments Monday over whether the company is owed coverage under its commercial general liability policy for an underlying class action.

  • March 19, 2024

    Justices Lean Toward Insurer Standing In Ch. 11 Case

    The U.S. Supreme Court appeared reluctant Tuesday to uphold a Fourth Circuit ruling that Truck Insurance Exchange lacked standing to oppose the proposed Chapter 11 reorganization plan of two manufacturers facing numerous asbestos claims, noting it's Truck that must ultimately cover the vast majority of such claims. 

  • March 19, 2024

    Ky. Woman Gets $164M Verdict In Geico Roadside Crash

    A Kentucky state jury on Monday hit auto insurance giant Geico with a $164 million verdict over claims it negligently sent a tow truck out on a roadside assistance job only for it to ultimately rear-end a motorist stopped at a red light, leaving her a quadriplegic.

  • March 19, 2024

    Uber, Progressive Unit Settle NC Widower's Coverage Fight

    The widower of an Uber Eats driver who died in a car crash on the job has settled his lawsuit seeking a payout for the accident from the ride-hailing giant and its insurer, according to a notice filed in North Carolina federal court.

  • March 19, 2024

    Allstate Seeks To Trim $10M Conn. Shotgun Injury Suit

    Allstate Insurance Co. wants a Connecticut federal court to cut four of five claims from a lawsuit brought by a man demanding $10 million that he won from a homeowner who seriously injured him with a shotgun blast, arguing that the victim asserted causes of action that are duplicative or unavailable to him.

  • March 18, 2024

    Justices Tilt Toward NRA In Free Speech Row With Regulator

    A cautious U.S. Supreme Court seemed poised Monday to rule in favor of the National Rifle Association in a case over allegations that a former New York state official pressured financial institutions to cut ties to the National Rifle Association in violation of its free speech rights.

  • March 18, 2024

    Colo. Wildfire Plaintiffs Say Xcel Trial Plan Would Sow 'Chaos'

    Nearly 4,000 Colorado property owners suing Xcel Energy over a 2021 wildfire have argued that the utility's proposal to try all of their liability claims together would create a "chaotic and expensive mess" and potentially result in "serial juries" awarding different damages later on.

  • March 16, 2024

    Up Next At High Court: Gov't Jawboning & Retaliatory Arrests

    The U.S. Supreme Court has a packed oral arguments calendar this week that includes disputes over the Biden administration's work with social media companies to combat misinformation, the appropriate evidence standard for bringing retaliatory arrest claims and whether the federal government can object to a consent decree entered into by three states.

  • March 15, 2024

    Fla. Jury Lets Insurer Off Hook For $12M Award

    A Florida federal jury on Friday found that National Indemnity Company of the South did not act in bad faith in its handling of claims against a Florida Keys construction and landscaping company and the company's employee over a fatal car crash that led to an $11.8 million judgment.

  • March 14, 2024

    'Secret Meeting' Settlement OK Draws Mich. Justices' Scrutiny

    A Michigan Supreme Court justice expressed discomfort Thursday with the idea that government officials could ratify a settlement in a closed-door meeting without consequences, in a case brought by three insurers against a county government's road agency trying to back out of a settlement to which it says it never agreed. 

  • March 14, 2024

    Insurance Litigation Week In Review

    A divided Colorado Supreme Court expanded application of the state's notice-prejudice rule, the Fourth Circuit tossed a COVID-19 coverage class action and the Eighth Circuit considered whether insurers' billing agreements with healthcare providers violated Minnesota's No-Fault Act. Here, Law360 takes a look at this week's top insurance news.

Expert Analysis

  • Biden Admin.'s Climate Strategy Should Include Insurance Innovations

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    To successfully meet the Biden administration's climate-related goals, the federal government must fill gaps in state regulation of environmental insurance, and help create an insurance framework that incentivizes and facilitates carbon impact reduction in four key areas, say Michael Hill and Paul Tetenbaum at Blue Dot Climate Insurance.

  • Where Health Care Enforcement Is Headed Under Biden

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    Early actions by President Joe Biden's administration signal a robust health care enforcement environment in which federal agencies will aggressively scrutinize pandemic-related and Medicare Advantage fraud, nursing homes, and medical technology, and False Claims Act activity will likely increase, say attorneys at Alston & Bird.

  • Key Considerations For Litigation Settlement Trustees

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    Robert Weiss and David Vanaskey at Wilmington Trust describe some of the core considerations for trustees that administer settlements resulting from mass tort and class action litigation, based on their experience working on the Volkswagen diesel emissions settlement.

  • 3 Key Environmental Takeaways From Biden's First 30 Days

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    President Joe Biden has heavily prioritized environmental policy during his first month in office, with three key themes emerging that will immediately change enforcement practices and affect regulated industries, say attorneys at Gibson Dunn.

  • What Airports Need To Know About PFAS Risks

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    As Congress, federal regulators and litigants express increasing concern over the dangers of per- and polyfluoroalkyl substances, airports are in the spotlight as likely sites of PFAS contamination — so airport management and boards should take steps now to prepare for regulation and litigation, say Renée Martin-Nagle and David Rockman at Eckert Seamans.

  • Time For Cos. To Walk The Walk On Environmental Justice

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    With the Biden administration pledging to consider environmental justice across all agencies and in all federal decisions, companies must candidly assess their operations in order to make sure their statements on environmental justice are backed by measurable results, say attorneys at King & Spalding.

  • Economic Loss Is Key To Pandemic Insurance Suits

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    Decades of case law distinguishing between economic loss and property damage may support commercial property insurance policyholders in litigation with insurers who argue that COVID-19-related losses do not constitute physical damage, says Micah Skidmore at Haynes and Boone.

  • State AGs' 2020 Actions Offer Hints At 2021 Priorities

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    A review of state attorney general actions in 2020 addressing consumer concerns including data privacy, product safety and marketplace competition can help companies prepare for the expected regulatory enforcement wave in 2021, say attorneys at Troutman Pepper.

  • 10 Most Significant Insurance Coverage Decisions Of 2020

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    Though COVID-19 was unquestionably the biggest insurance story of 2020, the most noteworthy decisions of the year had definitive impact on issues like injury-in-fact triggers and concurrent causation, says Randy Maniloff at White and Williams LLP.

  • 5 Major Drug And Medical Device Developments In 2020

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    In addition to the increased activity and scrutiny COVID-19 brought to the drug and device industries in 2020, major developments included the continued momentum of snap removal and renewed U.S. Supreme Court interest in the scope of state courts' jurisdiction, say attorneys at Faegre Drinker.

  • Actions Cos. Can Take Now To Address Microplastics Risk

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    Recent reports on the prevalence of microplastics in the environment underscore potential liabilities companies may face in relation to this emerging contaminant, and the importance of acting now to manage risks while the science and regulations are still evolving, say Shannon Broome and Dan Grucza at Hunton and David Gratson at Environmental Standards.

  • The State Of Consumer Class Actions Amid COVID-19

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    While the pandemic has slowed the filing of consumer class actions, they remain a significant part of the litigation landscape — with false labeling claims remaining particularly popular, likely because they are easy to file and frequently survive motions to dismiss, say attorneys at Skadden.

  • Courts Are Not Confused About Opioid Insurance Suits

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    Although a recent Law360 guest article claimed that confusion has seeped into decisions concerning insurance coverage for opioid lawsuits, courts have addressed the issue clearly and consistently in holding that commercial general liability policies cover the defense of such cases, say attorneys at Miller Friel.