In Chicago, we often find property loss claims that occur at condominium units. Aside from general issues that come with all property claims, such as cause and origin of the loss and actual damages incurred, two issues should be investigated from the outset.
What is the Waiver of Subrogation Provision?
A waiver of subrogation clause is a contractual provision, which prohibits an insurance carrier from recovering monies they paid on a claim due to the negligence of a third party. This occurs when the insurance carrier's insured waives the right to recover any monies against the other party. A waiver...
Other Insurance Clause is Excess
Other insurance clauses, also known as excess clauses, seem to appear in every case with concurrent coverage under multiple policies. This common situation presents itself when an insured is driving a car owned by a friend or family member. Each insurance policy provides coverage for the accident, but both policies...
Right of Contribution from a Coinsurer or Concurrent Insurer
Did you know that Ohio law gives rise to two rights of contribution for an insurer? These two rights are from a joint tortfeasor, pursuant to Ohio Revised Code Section 2307.25; and from a coinsurer or concurrent insurer who provides coverage for the same loss.
Ohio Statute of Limitation Changes
In 2021, Ohio approved changes to the statute of limitation for breaches of written contracts and oral contracts. Learn how these changes may affect claims filing.
Illinois Automobile Liability – Minimum Limits and Question of Excess
In this article, we'll explore the minimum liability policy limits in Illinois and what they may mean for your auto file.
Indiana Economic Loss Doctrine
The Indiana Economic Loss Doctrine prohibits two parties with a contractual relationship from bringing a tort action against each other for economic losses. Though the doctrine can have a negative impact on your claim, we’ll review potential avenues to recovery.
Subtle Nuances Involving Utilities
Just like utilities, the actions of a cooperative employee can cause fires. Unlike claims against a public utility, claims against electric cooperatives can be pursued in court without having to fight over whether the PUCO has jurisdiction.
Coverage for Subcontractor Liability
The insurance company is not required to defend the general contractor against or indemnify the general contractor for claims for damage caused by its subcontractor’s defective work because the work is not an occurrence. Regarding subcontractor liability, the Ohio Supreme Court determined a subcontractor’s faulty work was not covered by...
New Update to Rights of Subrogee
There is a Court that has issued a ruling interpreting Ohio Revised Code 2323.44 as it relates to subrogation. The Court of Appeals affirmed there was no ambiguity in the Farmers’ insurance policy. Remember, language in the policy and notice to all parties matters.