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Insurance – Disability – Breach of Contract – Civil Practice – Statute of Limitations – Constructive Fraud (access required)

By North Carolina Lawyers Weekly Staff
Published: October 11,2012

Lawley v. Liberty Mutual Group, Inc. If defendants breached their disability insurance contract with plaintiff, they did so when they denied her claim on March 28, 2003, not every time a monthly disability payment was due. Plaintiff’s June 27, 2011 complaint was not timely filed.


Insurance – CGL – Duty to Defend or Indemnify – Intentional Conduct – Advertising Injury (access required)

By North Carolina Lawyers Weekly Staff
Published: September 24,2012

Pennsylvania National Mutual Casualty Insurance Co. v. Sharpe Images, Inc. Where the business insurance policy at issue includes only defendant Sharpe Images, Inc. on the declarations page that lists the insured parties, and where the policy denies coverage to any “limited liability company … not shown as a Named Insured in the Declarations,” defendant Nextplans, LLC – a wholly owned subsidiary of Sharpe Images – is not insured by the policy.


Insurance – Fire – Tort/Negligence – Bad Faith Refusal to Settle Claim – Unfair Trade Practices – Breach of Contract (access required)

By North Carolina Lawyers Weekly Staff
Published: September 21,2012

Kielbania v. Indian Harbor Insurance Co. Based on a drawn-out appraisal process that ignored some losses and changed the value of others without explanation, plaintiffs have presented a jury question as to their claims of unfair insurance settlement practices and bad faith refusal to settle a claim.


Insurance – Health – ERISA Plan – Reimbursement Provision – Personal Injury Settlement (access required)

By North Carolina Lawyers Weekly Staff
Published: September 17,2012

Smithey v. Tyson Foods, Inc. Plaintiff remains in actual or constructive possession of funds that she received in settlement of a personal injury claim. Pursuant to the parties’ healthcare plan, defendants seek reimbursement of medical expenses that defendants advanced because of plaintiff’s personal injury.


Insurance – Duty to Defend & Indemnify – Fraternity Party – Policy Violation (access required)

By North Carolina Lawyers Weekly Staff
Published: September 6,2012

Liberty Corporate Capital, Ltd. v. Delta Pi Chapter Even if defendant Cassady was acting within the scope of his duties as chapter vice-president and on behalf of his fraternity when he hosted an off-campus party, since the party violated the fraternity’s policies, Mr. Cassady was not an “insured” within the meaning of the insurance policy issued by plaintiff to the national fraternity.


Insurance – Auto – UM – Falling Tire – ‘Contact’ Requirement (access required)

By North Carolina Lawyers Weekly Staff
Published: August 8,2012

Prouse v. Bituminous Casualty Corp. Plaintiff’s accident occurred when a tire fell off another vehicle and struck the truck in which plaintiff was riding, causing the driver to lose control. There was no contact between the truck and the other vehicle; therefore, G.S. § 20-279.21(b)(3)(b) does not apply, and plaintiff is not entitled to uninsured motorist coverage.


Insurance – Fire – Binding Appraisal (access required)

By North Carolina Lawyers Weekly Staff
Published: July 31,2012

Glendale LLC v. Amco Insurance Co. Where the appraisal provision in the parties’ insurance policy was followed, the appraisers’ award is binding absent proof of impeaching circumstances.


Insurance – Arbitration – McCarran Act — No Bar – Foreign Agreement (access required)

By Jennifer McGivney
Published: July 12,2012

ESAB Group Inc. v. Zurich Insurance PLC The 4th Circuit upholds a district court order requiring a South Carolina manufacturer facing multi-million dollar products liability claims to arbitrate a coverage dispute with an insurance carrier under a foreign arbitration agreement, and remanding certain non-arbitrable claims to state court.


Insurance – Life – Labor & Employment – ERISA – Equitable Relief – Breach of Fiduciary Duty (access required)

By North Carolina Lawyers Weekly Staff
Published: July 12,2012

McCravy v. Metropolitan Life Ins. Co. A bank employee who paid for life insurance for her daughter through her employee benefit plan, but who was denied insurance benefits when her 25-year-old daughter died, has her claim for “equitable relief” for the insurance carrier’s breach of fiduciary duty reconsidered by the 4th Circuit, in light of CIGNA Corp. v. Amara, 131 S. Ct. 1866 (2011).


Insurance – Fire – Loss Compensation – Motel – Valuation – Appraisal Process (access required)

By North Carolina Lawyers Weekly Staff
Published: July 11,2012

Patel v. Scottsdale Insurance Co. The parties’ insurance policy gives the defendant-insurer the option of paying either fair market value or replacement value for the plaintiff’s hotel, which was destroyed by fire. However, instead of granting summary judgment for the insurer, the trial court should have stayed this action until the parties completed the appraisal process set out in the policy.



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