Auto Insurance
It has long been held that an insurer's obligation to defend is contractual and is determined by the terms of the insurance policy. The duty of an insurer to defend the insured generally rests on whether the compliant alleges facts on grounds which bring the action within the protection purchased and within the scope of the risk undertaken by the insured, even if untrue or frivolous.
Automobile insurance options and regulations differ from state to state. Regulatory agencies in each state set forth rules that govern automobile insurance claims, coverages, etc. These regulations, though specific in each state, do not supercede applicable federal guidelines. From insurance litigation to policies and damages, it is critical for any legal professional to maintain a working knowledge of all insurance updates both state and federal.
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