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…
Damages in Missouri Personal Injury Cases: What You Can Recover and How to Prove It
A complete guide to compensatory and punitive damages in Missouri — categories, caps, evidentiary standards, and strategic considerations Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Introduction Damages are the measure of…
Artificial Intelligence and Insurance Policy Interpretation: What the Eleventh Circuit Opened, What the Scholars Are Fighting About, and What Missouri Practitioners Need to Know
How AI tools are already reshaping coverage analysis — and why the legal profession’s debate over their reliability matters for every Missouri insurance litigator 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…
“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…
Using AI to Map the Anatomy of an Insurance Policy: Coverage Grants, Exclusions, Conditions, Definitions, and the Structural Logic Insurers Don’t Want You to See
How to use AI to deconstruct an insurance policy into its functional components — and why understanding the architecture of the contract is the single most important skill in coverage litigation Introduction Every insurance policy, regardless of its line…
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…
Missouri Comparative Fault: How It Works and How It Affects Recovery
A complete guide to Missouri’s pure comparative fault system — the rules for allocating fault, reducing damages, apportioning liability among multiple defendants, and the strategic implications for plaintiff and defense counsel Missouri Injury &…
The Missouri Savings Statute: § 516.230 R.S.Mo. and How to Use It
A complete practitioner’s guide to Missouri’s one-year refiling protection — what qualifies, what does not, how many times it applies, and its critical role in § 537.065 and wrongful death litigation Missouri Injury & Insurance…