Opinion ID: 1938113
Heading Depth: 1
Heading Rank: 3

Heading: THE PUPs' COVERAGE

Text: The PUPs at issue are each divided into four sections entitled General, Excess Liability Insurance, Exclusions, and Conditions. To determine the general scope of coverage provided by the PUPs, we examine the Excess Liability Insurance provision. This section provides in relevant part: Coverage  When We Pay Allstate will pay when an insured becomes legally obligated to pay for personal injury or property damage caused by an occurrence.     Defense; Settlement; Supplementary Payments Allstate will defend an insured if sued as the result of an occurrence covered by this policy even if the suit is groundless, false or fraudulent. When given their plain and ordinary meaning, the terms of the Excess Liability Insurance section clearly establish that the PUPs cover, inter alia, occurrences that cause personal injury. The term personal injury, as defined in the General section, includes the term misrepresentation: `Personal Injury'  means:       b) false arrest; false imprisonment; wrongful detention; wrongful entry; invasion of rights of occupancy; or malicious prosecution; c) libel; slander; misrepresentation; humiliation; defamation of character; invasion of rights of privacy; and d) discrimination and violation of civil rights. (Emphasis added.) It is thus clear that the PUPs cover occurrences that involve misrepresentation. [1] We next address the meaning of that word.