Drive Other Car Coverage
What the DOC Endorsement Is, Why It Exists, and Where It Fits Practice point: The Drive Other Car endorsement is not a routine fleet add-on. It is a targeted fix for a recurring coverage gap: the individual who relies on a company-furnished auto and…
Insured Contract The Enumerated Categories
The Five Specific Insured Contracts, and Why They Matter Most When the Catch-All Is Gone Parts One through Three of this series concentrated on the broad catch-all — subpart (f) of the insured contract definition — because it reaches the widest range of…
Inside the Insured Contract
Indemnification, Assumption of Liability, and What Actually Triggers Coverage Part One introduced the insured contract provision identifying it in the three liability forms most often standing behind a commercial defendant — the Commercial General…
The Insured Contract Provision
An Overlooked Path to Coverage for Parties Who Are Neither Named Insureds Nor Additional Insureds When a plaintiff’s attorney evaluates available coverage in a serious injury or wrongful death case, the instinct is to identify the tortfeasor, locate the…
“Who Is an Insured” Under the Commercial Auto Policy: A Coverage Grant, Not an Exclusion
How Missouri courts interpret the ISO CA 00 01 insured-status tiers — and why getting the characterization right is the foundation of every commercial auto coverage case for the insured and the injured Missouri Injury & Insurance…