So if my insured, ok not my insured but a friend just got married and a few weeks after the wedding, at her vacation spot, her hubby gets drunk and pushes another drunk and he hits his head and dies, will defense costs be covered? I know if they had the umbrella it would, but regular old liability? Her company is western if it makes a difference.
Liability Question
- Thread starter mplsmm
- Start date
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From my experiences seeing exclusions for intentional acts & based off this situation...I can't say either way. What a tragedy though.
- Thread starter
- #4
It is a horrible thing. The irony is they got a hot tub and new fire pit and her house was becoming an after hours hangout. I was worried about liability and had been pushing her to get an umbrella. I was worried about a slip and fall or something like that, never in a million years did I think this would happen. She kind of brushed it off, her friends wouldn't sue, it never got wild, she couldn't swing $100 or whatever a year. I have not told her and never will that the umbrella would have covered his defense. No use crying over spilt milk.
- 232
Defense would be covered if Western decides to defend the claim. Of course, they can also decide to try to settle it. It's their money - their option.
The thing I always look for is whether those defense costs are PART OF the liability limit, or in ADDITION TO the limit on the dec page. Same goes for Umbrella.
The thing I always look for is whether those defense costs are PART OF the liability limit, or in ADDITION TO the limit on the dec page. Same goes for Umbrella.
- Thread starter
- #6
