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…
Using AI to Audit Insurance Marketing Materials Against the Actual Policy
How to upload a policy form alongside brochures and sales materials — and let AI flag the differences, omissions, and contradictions the carrier doesn’t want you to find Missouri Injury & Insurance…
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…
Using AI to Parse the Grammar and Syntax of Insurance Policy Language
How commas, semicolons, subjects, objects, and verb tense quietly determine whether a claim is covered — and how AI can help you see what the drafter buried in the sentence structure Missouri Injury & Insurance…
From Boilerplate to Breakdown AI Policy Form Review
Using AI to Deconstruct Insurance Policy Form Evolution and Identify Coverage Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Standard insurance policy forms such as the Insurance Services Office (ISO)…
AI Systems for Missouri Lawyers: How They Work, What They Risk, and How to Use Them Responsibly
Safety, Security, and Ethics in Missouri Legal Practice Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Introduction After thirty years of civil litigation in Missouri, I have watched the practice of law…
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…