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…
Missouri Hearsay Objections in Insurance-Formation Cases: When the Statement Is the Evidence, Not Hearsay
Missouri insurance cases often turn on conversations: what the insured told the agent, what the agent asked, what the agent said the policy would do, what information was reported to the carrier, and what everyone understood at the time the policy was…
Mistaken Settlement Acceptance in Missouri: Rescission, Reformation, Waiver, and Release Problems for Lawyers
Part Two: What Missouri lawyers should do when a settlement acceptance was mistaken, incomplete, or followed by a disputed release I. Mistakes in Acceptance: Can a Party Escape a Settlement Agreement? One recurring issue in Missouri settlement…
Missouri Settlement Demands and the Mirror Image Rule: A Practical Guide for Lawyers
Part One: How Missouri lawyers should analyze offer, acceptance, counteroffers, and release terms in liability insurance settlement practice I. Introduction Settlement agreements are contracts. That statement sounds elementary, but its implications…
An Insurance Agent’s Role:
Agency, Authority, and the Duty to Transmit Premiums Under Missouri Law Key Takeaways I. Introduction When a Missouri consumer walks into an office with an insurance company’s name on the door, hands over a premium check, and walks out expecting…
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…
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…
Missouri’s Liability Insurance Framework:What Third-Party Claimants Can and Cannot Do
Understanding direct action limitations and the judgment creditor’s rights under Missouri law Missouri Injury & Insurance Law | missouriinjuryandinsurancelaw.com Introduction One of the recurring questions in Missouri…