I know California is fairly liberal regarding the duty to defend. If there is an allegation of both intentional assault and negligence Liberty should be paying for two attorneys- their usual defense attorney and Davis\’s personal attorney as cumis counsel. He would be entitled to a second attorney because of the conflict of interest facing the carrier\’s attorney when coverage could depend on whether the intentional assault or negligence claim wins. You can never tell for sure if you have all the facts in these newspaper articles but it appears Davis may have a good case. He paid for the coverage and I am sure Liberty factored in the law in California on the duty to defend when they set their rates.
Thanks to CPCU,Big Neal and you for basic insurance —based on the other posts I was wondering if anyone in the insurance world even reads this stuff obviously llcj and rundmc should go back to rapping they certainly have not even a basic understanding of insurance coverage. Surprised no one said it didn\’t happen at his house so why would his homeowners kick in! Hey maybe the journal should write an article on basic GL coverage.
Yea, I have been in enough bars to know that there are patrons who are jerks and there are bouncers who are jerks. The is still Racism in this country as I have relatives who are racist. I have relatives who love football who will cheer for anybody on thier team, but anyone on another team of a non white race is called a derogatory name at every opportunity. And if a non white player on thier team makes a mistake they are temporarily a Dumb (insert explative) I think racism is on the way out, but people live some sheltered lives to think the isn\’t any of it or that it doesn\’t come into play in peoples lives. I also happen to think that reverse racism is also very real and possibly growing. Both are fear based responses to ignorance and lack of education and the older someone is the harder it is to break them of thier thought patterns. Many of my relatives are far beyond help.
Anyways, the last two posters are spot on, you guys should be ashamed to have such a limited knowledge of the products you sell. It\’s becoming clearer as to why companies like Geico are doing so well.
The adjuster is correct. The complaint against T.O. is for both assault and negligence. The former an intentional tort and not covered and negligence which is typically covered. Assuming that Liberty is his homeowners carrier, the CPL portion of the policy could provide coverage including defense for BI or PD as a result of negligence. This would depend on facts and circumstances which are not clear in this article. Liberty certainly should have defended the action with a reservation of rights until the courts decide as the validity of that portion of the action. The assault aspect would require T.O. to retain counsel at his own expense as intentional torts are not covered.
Let\’s get the names straight here. It\’s Davis, not Owens. T.O.\’s case would be against Donovan McNabb. T.O. looked pretty good yesterday…too bad Bledsoe didn\’t.
Yea, I agree completely. I thought TO looked ok the other day. Bledsoe is the problem. Tony Romo looked great in preseason and deserves a start if things dont improve.
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I know California is fairly liberal regarding the duty to defend. If there is an allegation of both intentional assault and negligence Liberty should be paying for two attorneys- their usual defense attorney and Davis\’s personal attorney as cumis counsel. He would be entitled to a second attorney because of the conflict of interest facing the carrier\’s attorney when coverage could depend on whether the intentional assault or negligence claim wins. You can never tell for sure if you have all the facts in these newspaper articles but it appears Davis may have a good case. He paid for the coverage and I am sure Liberty factored in the law in California on the duty to defend when they set their rates.
Thanks to CPCU,Big Neal and you for basic insurance —based on the other posts I was wondering if anyone in the insurance world even reads this stuff obviously llcj and rundmc should go back to rapping they certainly have not even a basic understanding of insurance coverage. Surprised no one said it didn\’t happen at his house so why would his homeowners kick in! Hey maybe the journal should write an article on basic GL coverage.
Assuming that the majority of IJ readers are independent agents, kinda makes you wonder if Agents E&O rates are set high enough.
It\’s scary that these people could be advising clients on the coverage(s) that they need.
Yea, I have been in enough bars to know that there are patrons who are jerks and there are bouncers who are jerks. The is still Racism in this country as I have relatives who are racist. I have relatives who love football who will cheer for anybody on thier team, but anyone on another team of a non white race is called a derogatory name at every opportunity. And if a non white player on thier team makes a mistake they are temporarily a Dumb (insert explative) I think racism is on the way out, but people live some sheltered lives to think the isn\’t any of it or that it doesn\’t come into play in peoples lives. I also happen to think that reverse racism is also very real and possibly growing. Both are fear based responses to ignorance and lack of education and the older someone is the harder it is to break them of thier thought patterns. Many of my relatives are far beyond help.
Anyways, the last two posters are spot on, you guys should be ashamed to have such a limited knowledge of the products you sell. It\’s becoming clearer as to why companies like Geico are doing so well.
Or coverage when I hit on an intern or a trailer park hotel waitress
The adjuster is correct. The complaint against T.O. is for both assault and negligence. The former an intentional tort and not covered and negligence which is typically covered. Assuming that Liberty is his homeowners carrier, the CPL portion of the policy could provide coverage including defense for BI or PD as a result of negligence. This would depend on facts and circumstances which are not clear in this article. Liberty certainly should have defended the action with a reservation of rights until the courts decide as the validity of that portion of the action. The assault aspect would require T.O. to retain counsel at his own expense as intentional torts are not covered.
Let\’s get the names straight here. It\’s Davis, not Owens. T.O.\’s case would be against Donovan McNabb. T.O. looked pretty good yesterday…too bad Bledsoe didn\’t.
2 bouncers, 1 Terrell Davis
I believe that would be errors and omissions.
Yea, I agree completely. I thought TO looked ok the other day. Bledsoe is the problem. Tony Romo looked great in preseason and deserves a start if things dont improve.