Source: https://www.iicle.com/iicleonline/detail/30059?itemId=41012
Timestamp: 2020-07-07 11:36:02
Document Index: 359155020

Matched Legal Cases: ['§155', '§155', '§155', '§155', '§155', '§155', '§155']

I.	[1.1]	Fundamentals of Insurance
II.	[1.2]	History of Insurance
III.	[1.3]	The Components of an Insurance Policy
[1.4]	Declarations
[1.5]	Coverage Forms or Coverage Parts
[1.6]	Endorsements
IV.	[1.7]	Concepts Fundamental to Analysis of Potential Insurance Coverage
[1.8]	Occurrence vs. Claims-Made Policies
[1.9]	First-Party Insurance vs. Third-Party Insurance
[1.10]	Primary/Excess Coverage
[1.11]	Fronting Insurance
[1.12]	Manuscript Policies
V.	[1.13]	Who Is Entitled to Coverage
[1.14]	CGL Coverage
[1.15]	Property Policies
VI.	[1.16]	Types of Coverages
[1.17]	Personal Insurance
[1.18]	Homeowner’s Insurance
[1.19]	Personal Automobile Insurance
[1.20]	Other Personal Lines Products
[1.21]	Business Insurance
[1.22]	CGL Insurance
[1.23]	Directors and Officers Liability Insurance
[1.24]	Professional Liability
[1.25]	Fidelity/Dishonesty Insurance
[1.26]	Workers’ Compensation and Employers Liability Insurance
[1.27]	Commercial Property Coverage
[1.28]	Other Insurance Products for Businesses
[1.29]	Government Insurance
[1.30]	Reinsurance
II.	[2.2]	Principal Objective: Determining the Intention of the Parties
III.	[2.3]	The “Four-Corners” Rule
IV.	[2.4]	Determining Whether Language Is Ambiguous or Unambiguous
[2.6]	Words and Phrases Determined To Be Unambiguous
[2.7]	Extrinsic Evidence
[2.8]	Doctrine of Contra Proferentum
[2.9]	Doctrine of Reasonable Expectation
[2.10]	Words and Phrases Determined To Be Ambiguous
V.	[2.11]	Parol Evidence Rule
I.	[3.1]	General Considerations
[3.2]	Sources of Duty
[3.3]	General Duties
II.	Duties of the Policyholder/Insured
[3.4]	Honesty in Application
[3.5]	Duty To Disclose After-Acquired Information
[3.6]	Payment of Premium
[3.7]	Policy Requirement of Notice
[3.8]	Time Within Which Notice Must Be Given
[3.9]	Delayed Notice
[3.10]	Notice Under Excess Policies
[3.11]	Notice Under Claims-Made Policies
[3.12]	Content of Notice
[3.13]	Failure To Give Notice
[3.14]	Prejudice to Insurer
[3.15]	Policy Language
[3.16]	What Is a Suit?
[3.17]	Notice from Another Source
[3.18]	Delayed Notice
[3.19]	Notice to Excess Insurers
[3.20]	Prejudice to Insurer
[3.21]	In General
[3.22]	Application to Others
[3.23]	Submission to Service of Process
[3.24]	Providing Information About the Claim
[3.25]	Attendance at Trial
[3.26]	Insurer’s Duty To Seek Cooperation
[3.27]	Insured’s Failure To Seek Other Coverage
[3.28]	Colluding with Claimant
[3.29]	Prejudice to Insurer
[3.30]	Waiver
[3.31]	Concealment or Fraud
[3.32]	Special Situation Duties
[3.33]	Duty To Produce Records and Submit to an Examination Under Oath
[3.34]	Duty To Care for an Insured Animal
[3.35]	Duty To Retrieve a Stolen Vehicle
[3.36]	Payment of Liability Deductible or Self-Insured Retention
[3.37]	Subrogation Claims — Preservation of Insurer’s Rights
III.	Duties of Insurer
[3.38]	Statutory Compliance and Bad-Faith Litigation
[3.39]	General Duty of Good Faith and Fair Dealing
[3.40]	Duty To Provide Notice of Nonrenewal or To Renew
[3.41]	Duty To Give Notice of Cancellation
[3.42]	Duty To Offer Certain Vehicle Coverages
[3.43]	Duty Regarding Property Loss — The Appraisal Process
[3.44]	Duty To Defend and Indemnify
[3.45]	How the Duty To Defend Is Determined
[3.46]	When Does the Duty Begin — The Targeted Tender Rule
[3.47]	When Does the Duty End — Duty To Appeal
[3.48]	Extent of Duty To Defend Noncovered Claims
[3.49]	Declaratory Judgment and the Estoppel Principle
[3.50]	Duty to Insured
[3.51]	Duty to Excess Insurers
[3.52]	Duty To Indemnify
[3.53]	Duty To Investigate
[3.54]	Duty To Preserve Evidence — Spoliation
[3.55]	Duty To Conduct a Reasonable and Prudent Defense
[3.56]	Duty To Keep the Insured Apprised of Developments That Affect the Interests of the Insured
II.	[4.2]	Standard of Review
III.	Explicit Choice-of-Law Provisions Incorporated Within Insurance Policies
[4.3]	Illinois Courts Follow the RESTATEMENT (SECOND) OF CONFLICT OF LAWS
[4.4]	Special Considerations for Group Policies
[4.5]	Invalid Express Choice-of-Law Provisions
IV.	No Choice-of-Law Provision in Insurance Policy
[4.6]	In General
[4.7]	The Evolution of the Factors Under Consideration
[4.8]	The RESTATEMENT
[4.9]	The Hofeld Factors
[4.10]	Location of the Insured Risk
[4.11]	Lapham-Hickey and Its Progeny Regarding Risks Located in Several States
[4.12]	Law of the Forum State
[4.13]	Law of the State Where Insured Is Domiciled
[4.14]	Choice of Law by Stipulation of the Parties
V.	[4.15]	Conclusion
I.	[5.1]	Introduction
II.	Overview of the Major Cases
[5.2]	The Beginning
[5.3]	Conflicts of Interest
[5.4]	Evolution of the Estoppel Principle
[5.5]	Clarity of the Allegations
[5.6]	No Allocation Between Covered and Noncovered Counts
[5.7]	Timing of the Declaratory Judgment
[5.8]	Conflicts of Interest Revisited
[5.9]	Sample Letter: Additional Disclosure of Conflict of Interest To Be Sent by Insurer
[5.10]	Sample Letter: To Be Sent by Attorney Retained by Insurance Company in Compliance with Peppers
[5.11]	Bad-Faith Decisions Not To Defend
[5.12]	Termination or Confirmation of the Obligation To Defend by Extrinsic Evidence
[5.13]	Termination of the Obligation To Defend by Payment of the Limits
[5.14]	Termination of the Obligation To Defend Following Trial Court Decision
[5.15]	Environmental and Toxic Tort Cases
[5.16]	Public Policy
[5.17]	The Targeted Tender
[5.18]	Other Estoppel Issues To Consider
III.	Strategic Considerations for Contesting Coverage
[5.19]	Questions To Ask
[5.20]	Options and Alternatives
[5.21]	The Decision To Defend a Claim or Deny Coverage
[5.22]	The Impact of a Conflict of Interest
[5.23]	The Policyholder Perspective
IV.	[5.24]	Conclusion
V.	[5.25]	Outline of Major Points and Supporting Cases
I.	[6.1]	Introduction
II.	Coverage A — Bodily Injury and Property Damage Liability
[6.2]	Insuring Agreement
[6.3]	“Bodily Injury”
[6.4]	“Property Damage”
[6.5]	“Occurrence”
[6.6]	“Known Loss"
[6.7]	Exclusions for Coverage for Bodily Injury and Property Damage
III.	Coverage B — Personal and Advertising Injury Liability
[6.8]	Insuring Agreement
[6.9]	Personal Injury
[6.10]	Advertising Injury
[6.11]	Exclusions for Coverage for Personal and Advertising Injury
IV.	[6.12]	Coverage C — Medical Payments Coverage
V.	[6.13]	Supplementary Payments — Coverages A and B
VI.	[6.14]	Who Is an Insured?
VII.	[6.15]	Limits of Insurance
VIII.	[6.16]	Commercial General Liability Conditions
IX.	[6.17]	Definitions
X.	[6.18]	Conclusion
I.	[7.1]	Errors and Omissions (E & O) Insurance
[7.2]	Claims-Made vs. Occurrence-Based
[7.3]	Wrongful Acts Committed in the Performance of Professional Services
[7.4]	E & O Policy Exclusions
[7.5]	Damages Typically Covered by Other Policies
[7.6]	Insured vs. Insured
[7.7]	Governmental Agency Action
[7.8]	Prior-Acts Exclusion
[7.9]	Prior-Policies Exclusion
[7.10]	Dishonesty/Fraud/Criminal or Malicious-Conduct Exclusion
[7.11]	Personal-Gain Exclusion
[7.12]	Business-Enterprise Exclusion
[7.13]	Contract Exclusion
[7.14]	Special Issues Under E & O Policies
II.	[7.15]	Directors and Officers (D & O) Insurance
[7.16]	Prerequisites for Coverage Under D & O Policies
[7.17]	Wrongful Act Requirement
[7.18]	Wrongful Act vs. Business Decision
[7.19]	Requirement of a “Claim”
[7.20]	Notice and Reporting
[7.21]	Severability Clauses
[7.22]	Payment of Loss
[7.23]	No Duty To Defend
[7.24]	Claims Made and Reported
[7.25]	Disclosures of Potential Claims
[7.26]	Are the Acts Covered?
[7.27]	Common D & O Policy Exclusions
[7.28]	Exclusions for Coverage That Is Provided by Other Policies
[7.29]	Exclusions for Prior or Pending Claims
[7.30]	Exclusions for Deliberate Acts
[7.31]	Insured vs. Insured
[7.32]	Personal Profit
[7.33]	Regulatory Exclusion
[7.34]	Tax Liability
[7.35]	Special Issues Under D & O Policies
III.	[7.36]	Employment Practices Liability Policies (EPLI)
[7.37]	Prerequisites for Coverage Under EPLI Policies
[7.38]	Deductibles and Self-Insured Retentions (SIRs)
[7.39]	Claims Made
[7.40]	Duty To Defend
Common EPLI Policy Exclusions
[7.41]	Coverage Provided by Other Policies
[7.42]	Particular Wrongful Acts
[7.43]	Claims Arising Out of Written Employment Agreements
[7.44]	Special Issues Under EPLI Policies
IV.	[7.45]	Environmental Impairment Liability (EIL) Policies
[7.46]	Prerequisites for Coverage Under EIL Policies
[7.47]	Environmental Impairment
[7.48]	Claims Made
[7.49]	Deductibles, SIRs, and Burning Limits
Common EIL Policy Exclusions
[7.50]	Intentional Acts
[7.51]	Own Property
[7.52]	Particular Types of Damages
[7.53]	Sudden and Accidental Release of Pollutants
[7.54]	Special Issues Under EIL Policies; Allocation Among Insurers
V.	[7.55]	First-Party Policies
[7.56]	Property Insurance
[7.57]	Prerequisites for Coverage Under First-Party Property Policies
[7.58]	Cooperation with the Insurer’s Investigation
[7.59]	Common First-Party Property Insurance Exclusions
[7.60]	Increased Risk or Hazard Within the Knowledge of the Insured
[7.61]	Policyholder Neglect of the Property
[7.62]	War Risks, Nuclear Accident, Governmental Action, Operations of Law
[7.63]	Damage Caused by Animals, Earth Movement, Volcanoes, Flooding, or Other Risks Specific to Certain Regions
[7.64]	Pollution or Contamination
[7.65]	Mold and Asbestos
[7.66]	Special Issues Arising Under First-Party Property Insurance
[7.67]	Business-Interruption Insurance
[7.68]	Prerequisites for Coverage Under Business-Interruption Policies
[7.69]	Common Business-Interruption Exclusions
[7.70]	Special Issues Under Business-Interruption Policies
[7.71]	Prerequisites for Coverage Under Employee-Dishonesty Policies
[7.72]	Common Employee-Dishonesty Exclusions
[7.73]	Special Issues Arising Under Employee-Dishonesty Policies
VI.	[7.74]	Conclusion
Chapter 8 — Reservation-of-Rights Letters
II.	[8.2]	The Duty To Defend
[8.3]	Estoppel
[8.4]	Conflicts of Interest Affecting the Duty To Defend
[8.5]	When the Declaratory Judgment Action and the Underlying Action Have Issues in Common
[8.6]	Waiver of Coverage Defenses
III.	[8.7]	Options Available When a Defense Is Requested
[8.8]	Providing an Unconditional Defense
[8.9]	Defending Under a Reservation of Rights
[8.10]	Filing a Declaratory Judgment Action
[8.11]	Defend Under Reservation of Rights If Insured Consents After Full Disclosure When Conflict of Interest Exists
[8.12]	Agree To Reimburse the Insured’s Independent Counsel Under a Reservation of Rights When a Conflict Exists
[8.13]	Outright Declination of a Defense
IV.	[8.14]	Use of Reservation-of-Rights Letters
[8.15]	Reservation-of-Rights Letters Must Be Specific
[8.16]	Reservation-of-Rights Letters Must Be Timely
[8.17]	Reservation-of-Rights Letters Must Be Unequivocal
[8.18]	Excess Insurer’s Reservation of Rights
[8.19]	Reservation-of-Rights Letters Cannot Create a New Right
I.	[9.1]	Introduction
II.	[9.2]	Preliminary Issues
III.	CGL Policies
[9.3]	Business-Risk Exclusions
[9.4]	Own-Product or Own-Work Exclusion
[9.5]	Sistership Exclusion
[9.6]	Loss-of-Use or Impaired-Property Exclusion
[9.7]	Pollution Exclusion
[9.8]	Owned-Property Exclusion
[9.9]	War-Risk Exclusion
[9.10]	Late Notice
[9.11]	Known Loss or Loss in Progress
IV.	First-Party Property Policies
[9.12]	Defenses to Coverage Based on Representations in Application for Insurance
[9.13]	Provision Against Increase of Risk or Hazard Within Control of Insured
[9.14]	Policyholder-Neglect Exclusion
V.	Directors and Officers Policies
[9.15]	Insured-Versus-Insured Exclusion
[9.16]	Personal-Profit Exclusion
[9.17]	Prior-Acts Exclusion
VI.	Fidelity/Dishonesty Policies
[9.18]	Loss of Inventory When Only Proof of Loss Is an Inventory or Profit-and-Loss Computation
[9.19]	Loss Subsequent to Discovery by Insured of an Act of Dishonesty
VII.	Professional Liability Policies
[9.20]	Business-Enterprise Exclusion
[9.21]	Prior-Acts Exclusion
[9.22]	Dishonesty Exclusion
VIII.	[9.23]	Employment Practices Liability Insurance Policies
[10.1]	Scope of Chapter
[10.2]	Forms of Insurance Litigation
[10.3]	Suits on the Policy for Money Damages
[10.4]	Suits on the Policy as a Supplementary Proceeding
[10.5]	Suits on the Policy for Declaratory Judgment
II.	Statutory Basis and Requirements of Declaratory Judgment Actions
[10.6]	Statutory Basis of Declaratory Judgment Actions
[10.7]	Requirements of Declaratory Judgment Statutes
[10.8]	Declaratory Judgment Actions Are Procedural
[10.9]	The “Actual Controversy” and “Interested Party” Requirements for Standing To Bring a Declaratory Judgment Action
III.	Declaratory Judgment Inappropriate
[10.10]	When Action Would Involve Determination of Ultimate Issue in Underlying Action
[10.11]	Uninsured-Motorist Claims
IV.	Pre-Suit Considerations
[10.12]	Whether To File a Declaratory Judgment Action
[10.13]	Considerations for Insured
[10.14]	Considerations for Insurer
[10.15]	Recovery of Attorneys’ Fees
[10.16]	Pre-Suit Research
[10.17]	Statute of Limitations — Time for Bringing Suit
[10.18]	Parties
[10.19]	Jurisdiction
[10.20]	Venue
V.	Pleadings
[10.21]	General Rules of Declaratory Pleadings
[10.22]	Pleading Checklist
Sample Declaratory Judgment Complaints and Answers
[10.23]	Sample Complaint by Insurer To Declare Lack of Duty To Defend
[10.24]	Defendants’ Answer to Complaint
[10.25]	Sample Complaint Seeking Liability Defense and Money Damages
[10.26]	Defendant’s Answer to Complaint Seeking Liability Defense
VI.	Discovery Practice in Declaratory Judgment Proceedings
[10.27]	Scope of Discovery
[10.28]	Requests To Admit
[10.29]	Interrogatories
[10.30]	Production of Documents
[10.31]	Depositions
VII.	Motion Practice in Declaratory Judgment Proceedings
[10.32]	Motions for Summary Judgment
[10.33]	Sample Motion for Summary Judgment
VIII.	[10.34]	Declaratory Judgment Trial Practice
[10.35]	Timing of the Trial — Enjoining Collateral Litigation
[10.36]	Burden of Proof
[10.37]	Right to Jury
[10.38]	The Trial
[10.39]	Opening Statements
[10.40]	Preparation of Witnesses
[10.41]	Direct and Cross-Examination of Witnesses
[10.42]	Special Interrogatories and Verdict Forms; Sample Special Interrogatories
[10.43]	Judgment Orders; Sample Declaratory Judgment Order
IX.	[10.44]	Conclusion
I.	[11.1]	Scope of Chapter
II.	[11.2]	Excess Insurance Distinguished from Other Types of Insurance
[11.3]	Primary Insurance
[11.4]	Self-Insurance
[11.5]	Excess Insurance
[11.6]	Excess Insurance “By Coincidence”
[11.7]	“Following-Form” Excess Insurance
[11.8]	“Umbrella” Excess Insurance
[11.9]	Surplus-Lines Insurance
III.	[11.10]	Relationship Between Excess Insurer and Insured
[11.11]	Insured’s Duty To Provide Notice of a Claim or Lawsuit
[11.12]	Insured’s Duties Under Voluntary Payment Provision
[11.13]	Excess Insurer’s Obligations Regarding Defense
[11.14]	General Principles — Excess Insurer’s Duty To Defend Is Contractual
[11.15]	Excess Insurer’s Option To Defend or To Associate in Defense of Lawsuits Against Insured
[11.16]	Duty To Reimburse Defense Costs
[11.17]	Consent Requirement
[11.18]	Whether Defense Costs Are Included Within Definition of “Loss”
[11.19]	Umbrella Insurer’s Obligation To Defend Lawsuits Not Covered by Primary Insurance
[11.20]	Allocating Defense Costs Between Primary and Excess Insurers
[11.21]	Excess Insurer’s Reservation of Rights
[11.22]	Excess Insurer’s Duty To Indemnify
[11.23]	Failure To Maintain Underlying Coverage
[11.24]	Insolvency of Underlying Insurer
[11.25]	Coverage in Excess of a Stated Amount or “Applicable” Insurance
[11.26]	Coverage in Excess of “Collectible” or “Recoverable” Insurance
[11.27]	Exhaustion Clauses
[11.28]	Maintenance Clauses
[11.29]	Anti-Drop-Down Provisions
[11.30]	Bankruptcy or Insolvency of Insured
[11.31]	Settlement for Less than Available Underlying Limits
[11.32]	Exhaustion of All Available Underlying Limits
[11.33]	Horizontal Exhaustion and Selective Tender
[11.34]	Reformation of the Underlying Policy
[11.35]	Indemnification for Postjudgment Interest
IV.	[11.36]	Relationship Between Excess and Primary Insurers
[11.37]	Guiding Principles for Insurers of Primary and Excess Coverage
[11.38]	Relationship Between Primary and Excess Insurers with Respect to Trial or Settlement
[11.39]	Primary Insurer’s Failure To Settle Within Policy Limits
[11.40]	Underlying Insurer’s Premature Exhaustion of Its Policy Limits
[11.41]	Primary Insurer’s Assignment of a Loss to Certain Policy Years
[11.42]	Primary Insurer Can Settle Some But Not All of Claims in Paying Its Policy Limits
[11.43]	Defense Costs Erode Primary Policy Limits
[11.44]	Proper Characterization of Costs as Indemnity or Defense Costs
[11.45]	Primary Insurer’s Settlement with Insured for Amount Less than Policy Limit
[11.46]	Duties of Primary Insurer’s Chosen Counsel
[11.47]	Duties Owed by Self-Insureds
V.	[11.48]	Relationship Between Excess Insurers
[11.49]	Allocating Liability Between Excess Insurers
[11.50]	Apportionment Among Umbrella and Excess Insurers
[11.51]	Duties of Lower-Tiered Excess Insurers to Higher-Tiered Excess Insurers
VI.	[11.52]	Excess Insurer and Coverage Litigation
[11.53]	“Actual Controversy” Requirement for Declaratory Judgment Suits
[11.54]	“Service of Suit” Clause
[11.55]	Forum Selection
[11.56]	Choice of Law
[11.57]	Intervention
[11.58]	Privilege Issues
I.	[12.1]	Introduction
II.	[12.2]	Bad-Faith Claims Based on Illinois Insurance Code §155
Conduct That Constitutes a Violation of Insurance Code §155
[12.3]	Knowingly Misrepresenting Relevant Facts or Policy Provisions
[12.4]	Failing To Communicate Promptly or Regularly with an Insured
[12.5]	Failing To Pay Either All or the Portion of Claim the Insurer Acknowledges Is Due
[12.6]	Settling a Claim for Less than It Is Worth
[12.7]	Forcing an Insured To Litigate To Obtain His or Her Benefits
[12.8]	Failing To Properly Investigate a Claim and/or Basing a Denial on Improper Investigative Grounds
[12.9]	Failing To Affirm or Deny Coverage Within a Reasonable Time After Proof-of-Loss Statements Have Been Completed
[12.10]	Failing To Defend an Insured in an Underlying Action That Potentially Falls Within the Policy’s Coverage
[12.11]	Penalties
Damages Available for Insurance Code §155 Violations
[12.12]	Attorneys’ Fees
[12.13]	Costs
[12.14]	Prejudgment Interest
[12.15]	The Primary Defense to an Insurance Code §155 Claim
III.	[12.16]	Bad-Faith Claims Based on a Failure To Settle
IV.	[12.17]	Bad-Faith Claims Based on the Insurer Committing an Independent Tort
[12.18]	Fraud
[12.19]	Intentional Infliction of Emotional Distress
[12.20]	Consumer Fraud
V.	Tips for Prosecuting Bad-Faith Claims in Illinois
[12.21]	Illinois Statutes and Regulations That Set Out Guidelines for Claims Practices Are a Roadmap for Proving Bad Faith
[12.22]	Itemized Bills Are the Best Way To Obtain Attorneys’ Fees
VI.	Tips on Defending Bad-Faith Claims in Illinois
[12.23]	Argue an Insurance Code §155 Claim Should Be Dismissed Because No Coverage Exists
[12.24]	Argue Any Tort Based on an Insurer’s Post-Claim Conduct Has Been Preempted by Insurance Code §155
[12.25]	Argue That Insurance Code §155 Damages Can Not Be Awarded in an Arbitration
Antonio J. Fricano
James K. Horstman
Insurance Law (Illinois) (ARCHIVED 2012 EDITION)