Coverage Quiz – Underinsured Motorist Coverage

This article was published in the San Diego Chapter of Risk and Insurance Management Society (RIMS) Newsletter on June 3, 2004. 

  Question: While crossing the street in the crosswalk, Mr. B was struck by a car and seriously injured. The driver of the car was negligent and ticketed by police. The driver's auto policy had a liability limit of $15,000. Mr. B's car insurance had $100,000 in underinsured motorist coverage. Is there any coverage for Mr. B under his own...

Coverage Quiz – Horizontal Exhaustion Rule

This article was published in the San Diego Chapter of Risk and Insurance Management Society (RIMS) Newsletter on April 8, 2008. 

 

Question:

Padilla Construction was sued for construction defects which caused "continuing" damage from 1995 to 2001. Padilla's primary policy for 1995-96 was exhausted, its policies for 1997-2000 were with now-insolvent carriers, and its 2001 policy had a $25,000 SIR (requiring Padilla to pat the first $25,000 of defense costs before the policy would respond). For...

SB 496 Restricts General Contractor Indemnification of Design Professionals

This article was published in the San Diego Association of General Contractor's Monday Morning Quarterback on October 30, 2017. 

 

Senate Bill 496 (SB 496) will become law effective January 1, 2018, and for general contractors (GCs)this new law restricts the contractual indemnity which GCs can require of design professionals.

  The typical contractual indemnity requirement consists of two components: (1) a duty by the design professional to indemnify the GC for any settlement/judgment; and (2) a separate and...

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