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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/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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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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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/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: 1283
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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/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
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Filename: core/Loader.php
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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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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/index.php
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File: /home/agentsof/public_html/index.php
Pennsylvania Supreme Court Holds that an Insurer’s Consent to Settle is Not Required if Insurer Is Defending Under Reservation of Rights
Pennsylvania Supreme Court Holds that an Insurer’s Consent to Settle is Not Required if Insurer Is Defending Under Reservation of Rights
The Pennsylvania appellate courts have kept insurance coverage lawyers on their toes this summer. Weeks after the Pennsylvania Superior CourtaEUR(TM)s decision in
Selective Way Insurance Co. v. Hospitality Group Services, Inc. provided guidance on when the statute of limitations for an insurance coverage declaratory judgment action accrues , on July 21, 2015, the stateaEUR(TM)s Supreme Court issued its much anticipated decision in
Babcock & Wilcox Company v. American Nuclear Insurers .
In
Babcock & Wilcox, the Supreme Court held that when an insurer is defending its insured in a liability claim subject to a reservation of rights because coverage is in doubt, the insured
may settle the claim without the insureraEUR(TM)s consent , and
recover the settlement amount from the insurer as long as coverage is found to exist and the settlement is fair and reasonable and made without collusion . In so holding, the Supreme Court rejected the insureraEUR(TM)s argument for applying PennsylvaniaaEUR(TM)s long-standing
Cowden bad faith standard, under which the insurer would be required to pay the settlement only if the insurer acted in bad faith in refusing to settle. The Supreme Court also rejected the Superior CourtaEUR(TM)s decision in
Babcock & Wilcox , 76 A.3d 1 (Pa. Super. 2013), to adopt FloridaaEUR(TM)s aEURoeInsuredaEUR(TM)s Choice Test,aEUR? under which an insured can elect to reject a defense offered subject to reservation of rights, defend the case at its own expense, and then, if coverage exists, recover the amount of a judgement or any fair, reasonable and non-collusive settlement. Neither party had advocated for the InsuredaEUR(TM)s Choice Test before the Superior Court and both parties argued against its adoption by the Supreme Court.
The Supreme CourtaEUR(TM)s decision makes the issue decided earlier this month in
Selective Way all the more important because, as a result of
Babcock & Wilcox , it may be more critical than ever for insurers to seek a declaratory judgment on their coverage obligations before insureds exercise their newly established right to settle cases without the insureraEUR(TM)s consent when the insurer is defending subject to a reservation of rights. The
Babcock & Wilcox fair, reasonable and non-collusive standard, will make it easier for insureds to require their insurers to fund settlements made without the insureraEUR(TM)s consent,
but only if the claim is actually covered. Therefore, obtaining a declaratory judgment of no coverage will be the insureraEUR(TM)s best defense against payment of a settlement made by the insured without the insureraEUR(TM)s consent.
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