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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Controller.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Controller.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Controller.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Line Number: 282
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Line Number: 317
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
Line Number: 375
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$email is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pdf is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
Message: Creation of dynamic property Home::$db is deprecated
Filename: core/Loader.php
Line Number: 396
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
Message: Creation of dynamic property Home::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
Message: Creation of dynamic property Home::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
Message: Creation of dynamic property Home::$pagination is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/models/Pagemodel.php
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$pagemodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
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Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Severity: 8192
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Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property CI_Loader::$email is deprecated
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
Another Nail in the Junk Fax Coffin: Wisconsin Joins Illinois, California, Michigan, and Oklahoma in Finding No Coverage for TCPA Suits
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 of faxes. This includes a common law conversion cause of action, as well as a cause of action for violations of the Telephone Consumer Protection Act (TCPA).
As background, in
State Farm Fire & Casualty Co. v. Easy PC Solutions, LLC , No. 2014AP2657, 2015 Wisc. App. LEXIS 855 (Wisc. Ct. App. Dec. 9, 2015), P.J Wilder Chiropractic, Inc., the underlying plaintiff, filed a class-action lawsuit alleging that Easy PC Solutions, LLC violated the TCPA simply by sending the fax without the recipientaEUR(TM)s consent and committed the tort of conversion by virtue of the faxes using the recipientaEUR(TM)s ink, toner, and paper. Easy PC tendered the lawsuit to its insurer, State Farm Fire & Casualty Company, and State Farm denied coverage. Easy PC ultimately settled the lawsuit and assigned its rights to Wilder. State Farm then brought a declaratory judgment action seeking a finding that it did not have the duty to defend or indemnify Easy PC in the underlying lawsuit. The circuit court agreed with State Farm. Wilder appealed.
On appeal, Wilder disputed the finding that the policy barred coverage. Wilder insisted that the conversion claim evaded the policyaEUR(TM)s TCPA exclusion. It explained that the conversion claim involves different elements than the TCPA claim, and thus, the two causes of action are distinct. The Court of Appeals was not convinced, reasoning that all of the acts giving rise to the conversion claim and the TCPA violation were exactly the same. Importantly, the Court of Appeals remarked that the TCPA exclusion was directed at Easy PCaEUR(TM)s actions, not the effects of its actions. Therefore, because the same actions were implicated in both the TCPA and conversion claims, the TCPA exclusion barred coverage under the policy for both claims.
This decision represents a continuing and overwhelming trend of courts finding that TCPA exclusions preclude coverage entirely for blast fax suits. This decision is another sign that blast fax suits are on their way out.
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