Opinion ID: 655850
Heading Depth: 2
Heading Rank: 1

Heading: The Hartford Policy

Text: 14 The insuring language in the Hartford policy issued to Coastal provides that Hartford 15 will pay all sums an insured legally must pay as damages because of bodily injury or property damage to which this insurance applies, caused by an accident and resulting from the ownership, maintenance or use of a covered auto. We have the right and duty to defend any suit asking for these damages. However, we have no duty to defend suits for bodily injury or property damage not covered by this Coverage Form. We may investigate and settle any claim or suit as we consider appropriate. Our duty to defend or settle ends when the Liability Coverage Limit of Insurance has been exhausted by payment of judgments or settlements. 16 (Excerpts of Record (E.R.) ex. 9 at 10.) Auto is defined to include a truck. (Id. at 16.) Suit is explained to be a civil proceeding in which damages because of 'bodily injury' or 'property damages' to which this insurance applies are alleged. (Id. at 17.) The policy further provides as follows: