Missouri Insurance Policy Interpretation
The Complete Framework Every insurance coverage dispute begins with the same question: what does the policy say? But sometimes answering that question is not simple. Insurance policies are long, dense, internally cross-referenced documents written by…
AI CLAIMS EVALUATION SOFTWARE IN INSURANCE BAD FAITH DISCOVERY
A Practitioner’s Discovery Reference: Understanding the Systems, Framing the Requests, Managing the Cost I. Purpose and Framing AI claims evaluation software is now part of the claim-handling record in many insurance cases, and in the right…
Farm and Ranch Liability Insurance in Missouri
Farm and ranch liability policies deserve separate treatment in Missouri coverage analysis because they do not fit neatly within homeowners, CGL, auto, or umbrella categories. A single farm/ranch program may insure a…
“Arising Out Of” Exclusions in Missouri Insurance Policies: Court Bars Coverage for Opioid Marketing Claims
In Opioid Master Disbursement Trust II a/k/a Opioid MDT II v. ACE American Insurance, et al., ED113635 (Mo. App. E.D. July 21, 2026), the Missouri Court of Appeals addressed an important coverage issue arising out of the opioid litigation wave: whether…
When the Judgment Is Not the End: Attacking and Defending Final Judgments Under Missouri Law
How opposing parties — and liability insurers in particular — seek relief from judgments that bind or affect them, and how the judgment holder keeps what was won For the plaintiff’s lawyer, entry of judgment feels like the finish line. For the…
Investigating the Products Case: Preservation, Spoliation, and Cost
Why more products cases are won or lost in the first weeks than in the courtroom A products case is proved with physical evidence, and physical evidence is perishable. The unit that failed can be repaired, scrapped, returned to a lessor, cleaned by an…
Product Recall Evidence in Civil Litigation
A Missouri-specific framework where the common law decides what the jury hears, and where the recall question has no square answer Few pieces of evidence are as coveted by a products plaintiff, or as feared by the defense, as a manufacturer’s recall. A…
The Learned Intermediary Doctrine in Missouri Products Cases
When the duty to warn runs to the prescriber, how the prescriber’s knowledge ends the case, and how federal preemption sits on top of it all In the ordinary products case the manufacturer’s duty to warn runs to the user. Prescription drugs and medical…
Safer Alternative Design Requirements
The element that isn’t: why Missouri treats a feasible alternative design as evidence, not an element—and why plaintiffs prove it anyway In many jurisdictions, the plaintiff in a design case must prove that a reasonable, feasible alternative design…
Failure-to-Warn Claims Under Missouri Law
Two causation prongs, a read-and-heed presumption that is only a submissibility device, and the one defense the legislature made complete A failure-to-warn claim concedes, for argument’s sake, that the product is soundly designed and correctly built. Its…