I have a current copy of the ISO HO forms (May 2011). Section II liability and medpay coverage is identical in all of them. There is no liability exclusion for damage TO a third party's auto. The liability exclusion for autos applies to ownership, maintenance, use, entrustment, etc. I also have a bunch of non-ISO forms from State Farm, Allstate, Nationwide, etc. I can't find an exclusion in those forms either.
There is quite a bit of case law involving CGL policies and paint overspray. The usual attempt at denying coverage is by citing a pollution exclusion. Most of the ones I've looked at weren't successful, usually because the court said there was no "escape, seepage, leakage, etc." and/or the damage did not constitutes "irritation or contamination" per se.
There is quite a bit of case law involving CGL policies and paint overspray. The usual attempt at denying coverage is by citing a pollution exclusion. Most of the ones I've looked at weren't successful, usually because the court said there was no "escape, seepage, leakage, etc." and/or the damage did not constitutes "irritation or contamination" per se.
