Reading a Missouri Liability Policy: Declarations, Insuring Agreements, Exclusions, and Conditions
A practitioner’s guide to the structure of a standard liability insurance policy — what each component does, how the components interact, and how to read a policy to evaluate coverage and identify disputes Missouri Injury & Insurance…
What Is a Reservation of Rights and Why Does It Matter
A guide to the reservation of rights in the third-party liability context — what it is, what it must contain, the conflict of interest it creates, the insured’s right to refuse, the right to independent counsel, and its role in the bad faith and §…
Equitable Garnishment in Missouri: How Judgment Creditors Reach Insurance Proceeds
A complete guide to § 379.200 R.S.Mo. — the elements, the procedure, what the insurer may contest, how coverage defenses are litigated, and the bad faith cross-claim that equitable garnishment makes possible Missouri Injury & Insurance…
How § 537.065 R.S.Mo. Works: A Complete Guide from Agreement to Judgment
The statute’s history, its mechanics, the 2017 and 2021 amendments, a step-by-step guide to using § 537.065 in practice Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Key Takeaways Introduction Section…
Qureshi v. American Family: Building a Missouri Vexatious Refusal Case
How an inadequate claims investigation, a lowball settlement offer, and an insurer’s strategic refusal to answer deposition questions combined to sustain a jury verdict for vexatious refusal under § 375.420 RSMo Missouri Injury & Insurance…
Missouri Liability Insurance: The Structure of the Policy, the Duties It Creates, and the Rules That Govern Coverage Disputes
A foundational overview for practitioners and sophisticated readers Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Introduction Every liability insurance dispute in Missouri rests on the same foundation: a…
The Missouri Bad Faith Timeline: From Tender to Excess Judgment
A chronological practitioner’s guide to how a Missouri bad faith failure to settle case develops — the elements, the key decision points, what the insurer must do at each stage, and what happens when it does not Missouri Injury & Insurance…
The Insurer’s Gambit: Federal Declaratory Judgment Actions in Bar & Restaurant Liability Disputes
What Golden Bear Ins. Co. v. Levee Bar & Grill Teaches About Forum Strategy — and How Defense Counsel Could Have Played It Differently Golden Bear Ins. Co. v. Levee Bar & Grill, LLC, No. 4:24-CV-00764-DGK (W.D. Mo. May 15, 2025) Missouri Injury…
When Your Insurer Intervenes Against You: What Claims Must You Assert Right Now?
Lyda v. Allstate and the Potential Compulsory Counterclaim Trap in § 537.065 Litigation Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com On March 24, 2026, the Missouri Court of Appeals, Western District, decided Lyda v. Allstate…
Proving Your Uninsured Motorist Claim in Missouri: The Nine Essential Elements Every Claimant Must Establish
A practitioner’s guide to the elements of proof required to recover under Missouri’s uninsured motorist statute, § 379.203 RSMo Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Introduction When a Missouri motorist is injured by…