A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_URI::$config is deprecated

Filename: core/URI.php

Line Number: 101

Backtrace:

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Router::$uri is deprecated

Filename: core/Router.php

Line Number: 127

Backtrace:

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$benchmark is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$hooks is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$config is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$log is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$utf8 is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$uri is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$exceptions is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$router is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$output is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$security is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$input is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$lang is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 132

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 294

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 168

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 237

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 317

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 358

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 282

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 289

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 304

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 314

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 315

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 316

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 317

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 375

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 110

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_start(): Session cannot be started after headers have already been sent

Filename: Session/Session.php

Line Number: 143

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$session is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$email is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$pdf is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 7
Function: __construct

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$db is deprecated

Filename: core/Loader.php

Line Number: 396

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 8
Function: database

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated

Filename: database/DB_driver.php

Line Number: 371

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 8
Function: database

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$form_validation is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 9
Function: library

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$adminmodel is deprecated

Filename: core/Loader.php

Line Number: 358

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 10
Function: model

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$leadmodel is deprecated

Filename: core/Loader.php

Line Number: 358

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 12
Function: model

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$clientmodel is deprecated

Filename: core/Loader.php

Line Number: 358

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 13
Function: model

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$pagination is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home/agentsof/public_html/application/models/Pagemodel.php
Line: 7
Function: library

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 14
Function: model

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$pagemodel is deprecated

Filename: core/Loader.php

Line Number: 358

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 14
Function: model

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$load is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$benchmark is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$hooks is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$config is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$log is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$utf8 is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$uri is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$exceptions is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$router is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$output is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$security is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$input is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$lang is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$session is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$email is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$pdf is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$db is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$form_validation is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$adminmodel is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$leadmodel is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$clientmodel is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$pagination is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$pagemodel is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home/agentsof/public_html/application/controllers/Home.php
Line: 212
Function: view

File: /home/agentsof/public_html/index.php
Line: 315
Function: require_once

agentsofamerica

ARTICLES LIBRARY OF a

Alcohol, Caffeine and Stimulants: Unambiguous Liquor Liability Exclusion Bars Coverage for Bodily Injury Claims

Refusing to succumb to pressure by an insured to find an ambiguity in an exclusion to a commercial general liability (CGL) policy where none existed, the Illinois Appellate Court, First District in Ph
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Another Nail in the Junk Fax Coffin: Wisconsin Joins Illinois, California, Michigan, and Oklahoma in Finding No Coverage for TCPA Suits

The Wisconsin Court of Appeals held in a recent decision that a standard TCPA exclusion precludes coverage for all causes of action brought by the plaintiff that emanated from the unauthorized sending
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A Sporting Retailer’s Bid for Coverage Gets Punted by the Ninth Circuit

The Ninth Circuit recently handed down a decision holding that insurers did not have a duty to defend their policyholder, a sporting goods retailer, in several ZIP code class action lawsuits.  The
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Attorney-Negotiated Medical Discounts Reduce Tort Victim’s Recovery

The Louisiana Supreme Court has issued the first ruling from a state’s highest court on the issue of whether a tort victim’s potential recovery in a lawsuit is diminished when her attorn
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Another Victory for Insurers Relying on IP Exclusions

Pinnacle Brokers Insurance Solutions LLC v. Sentinel Insurance Co, Ltd., No. 15-cv-02976-JST, 2015 U.S. Dist. LEXIS 117299 (N.D. Cal. Sept. 2, 2015), arose out of a lawsuit filed by Granite Profession
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“It Wasn’t Me, It Was Lil Johnny!” Wisconsin District Court Holds Third-Party Publication Triggers Prior Publication Exclusion

In Design Basics LLC v. J & V Roberts Investments, Inc., No. 14-cv-1083-JPS, 2015 U.S. Dist. LEXIS 121372 (E.D. Wis. Sept. 11, 2015), the United States District Court for the Eastern District of W
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A Different Track: Mississippi Supreme Court Affirms Voiding of Auto Policy for Failure to Disclose 16-Year Old Son

Contrary to many states, which are reluctant to void automobile policies, the Mississippi Supreme Court in Jones v. Safeway Insurance Company, Case No. 2014-CA-00180-SCT, 2015 Miss. ELXIS 456 (Sept. 3
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A Line Drawn in the Soil: Jeep is Not a “Farm Implement” Under Farm Policy

The U.S. District Court for the Southern District of Illinois applied the “eight-corners” rule to determine that insurer had no duty to defend or indemnify insured in Elmore v. Grinnell Mu
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Accommodations for Contraception Coverage Exemptions Replace Subsidies As The ACA Story of the Week

In recent months, the main event in the challenges against the Affordable Care Act centered on the subsidies provisions in the ACA. The Supreme Court decided this matter in King v. Burwell. In July 20
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Are You My Agent? Insured’s Notice to Broker Deemed Sufficient

In First Chicago Insurance Company v. Molda and Wilson, 2015 IL App. (1st) 140548, First Chicago appealed an adverse verdict finding that it had a duty to defend its insured in the underlying lawsuit.
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A Continuing Trend of Illinois State Courts Finding Trigger for Malicious Prosecution is Initiation of Prosecution — Not Termination of Proceedings

On April 21, 2015, we wrote about the Illinois Appellate Court Second District’s decision in Indian Harbor Insurance Co. v. City of Waukegan, 2015 IL App (2d) 140293 (Mar. 6, 2015). There, the
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Anti-Concurrent-Causes Clause Bars Coverage When One Cause is Excluded

In JAW The Pointe, L.L.C., v. Lexington Ins. Co., 2015 WL 1870054 (Tex. April 24, 2015), the Texas Supreme Court found an insurer did not violate the Texas Insurance Code and the Texas Deceptive Trade
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AD&D Policy Beneficiaries’ Recovery Limited To Death Benefits — No Recovery for Dismemberment Injuries Leading To Death

In Malbrough v. Kanawha Insurance Co., 2015 U.S. Dist. LEXIS 48394 (W.D. La. Apr. 9, 2015), the U.S. District Court for the Western District of Louisiana was asked to determine the benefit payable to
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After Hours: New Jersey Superior Court Holds Definition of Employee and Exclusion for Employee’s Criminal Acts Both to be Unambiguous

In Union Hill Supremo Pharmacy v. Franklin Mut. Ins. Co., No. L-705-13 (N.J. Super. Ct. App. Div., March 4, 2015) the Superior Court of New Jersey, Appellate Division decided that an insurance policy
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“Manifest Intent”: First Department Finds Issue of Fact Regarding Whether Fidelity Bond Covers Keybank for Employee’s Diversion Scheme

In Keybank National Association v. National Union Fire Ins. Company of Pittsburgh, PA, an interesting decision was issued by the New York Appellate Division, First Department recently in which t
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Arizona Appellate Court Refuses To Vitiate the Attorney-Client Privilege When Insurer Does Not Advance Defense Based on Advice of Counsel

In Everest Indemnity Insurance Co. v. Rea, 2015 Ariz. App. LEXIS 9 (Ariz. Ct. App. Jan. 15, 2015), an Arizona appellate court held that Everest Indemnity Insurance Company (“Everest”) had
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Abuse of Discretion Where Insurer Failed to Consider “Similar Income” Requirement

George v. Reliance Std. Life Ins. Co. 5th Cir., Jan. 15, 2015 In the appeal of an ERISA disability benefits denial, the Fifth Circuit found an abuse of discretion where the insurer failed to conside
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“Test Drive” Ambiguous

In Exotic Motorcars and Jewelry, Inc. v. Essex Insurance Co., a Florida appeals court found the trial court interpreted material policy terms too narrowly in denying coverage of the vehicle collision
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Accidental Death Benefits are Payable Drowning, Even if Seizure Involved, was Cause of Death

In Chanthavong v. Union Security Ins. Co., (11/04/2014), the deceased, Corey Carter, was found in April of 2012, having accidentally drowned in his bathtub. Carter held a group life insurance polic
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“Excess” Clause Trumps “Pro-Rata” Clause in Colorado Other Insurance Dispute

Travelers Home and Marine Insurance Company (Travelers) brought a declaratory judgment action against Central Mutual Insurance Company (Central) claiming that it contributed more than its required sha
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