- Proper Procedure to Obtain Entry on Real Property of a Nonparty for Purposes of Inspection and Photographing
- Designating Unknown Responsible Third Parties: How to Properly Designate an Unknown Driver
- Premises Liability: Do Open and Obvious Naturally Occurring Conditions Pose an Unreasonable Risk of Harm?
- The Borrowed Servant Doctrine – At What Point Will the General Employer’s Liability Be Severed?
- Texas Tort Claims Act: Are Physicians Independent Contractors or Employees?
- Diamond Offshore Services Ltd. v. Williams—Courts Must View Video Evidence Before Ruling on Issues of Admissibility
- Reservation of Rights Letter and the Insured
- Permissive Interlocutory Appeals
- Graves Amendment
- United Scaffolding, Inc. v. Levine: Expanding Control for the Purpose of Premises Liability Claims
Showing 22 posts in Insurance Coverage.
Introduction: A Model for Insurance Fraud
In recent years, numerous public insurance adjusters, contractors illegally acting as public adjusters and attorneys have used severe weather events, like the 2012 Hidalgo County hailstorms, to manipulate a profit from the subsequent flood of insurance claims. A typical model used to maximize profit on fraudulent insurance claims starts with canvassers going door-to-door convincing homeowners they are entitled to more compensation than their insurance company provided. Read More ›
After one of the worst natural disasters to ever hit the United States, it is time to recover and rebuild. Below are several helpful maps of flooding areas and shelters, and processes for filing an insurance claim or FEMA assistance. Read More ›
USAA Texas Lloyds Co. v. Menchaca, No. 14-0721, on petition for review from the Court of Appeals for the Thirteenth District of Texas, was argued on October 11, 2016 and decided on April 7, 2017.
After Hurricane Ike struck in September 2008, Gail Menchaca contacted her homeowner’s insurance company, USAA Texas Lloyds (“USAA”), to report damage to her home. Upon investigation, USAA’s adjuster found only minimal damage. USAA determined its policy covered some of the damage, but declined to pay Menchaca any benefits because the total estimated repair costs did not exceed the policy’s deductible. About five months later, at Menchaca’s request, USAA sent another adjuster to re-inspect the property. This adjuster confirmed the first adjuster’s findings, and USAA again refused to pay any policy benefits. Read More ›
On Wednesday, May 17, the Texas Senate approved House Bill 1774. This bill will undoubtedly be signed by Governor Greg Abbott. He is a very conservative Republican. Governor Abbott called lawsuits against insurers following hailstorms “the newest form of lawsuit abuse.” He also said he wanted to see legislation on his desk “that limits abusive hailstorm litigation.” Well, now he has that very bill to sign into law. Read More ›
Seger v. Yorkshire Insurance Co., No. 13-0673, on petition for review from the Court of Appeals for the Seventh District of Texas, was argued September 3, 2015 and decided June 17, 2016. After an accident, the parents of a deceased derrick hand (“Segers”) sued the company that owned the drilling rig (“Diatom”). Seger was employed with ECS. As an employee of ECS, the deceased provided services to Diatom. The drilling company demanded that its commercial general liability (“CGL”) insurers defend it in the litigation. The policy provided for a maximum of $500,000 of coverage for any one bodily injury accident, and contained a condition excluding leased-in workers and employees, but included independent contractors. The insurers refused claiming lack of coverage. The parents obtained a judgment against the drilling company, the company assigned its rights against the insurers to the parents, and the parents brought a Stowers action against the insurers. Read More ›
In TIC Energy & Chem. Co. v. Martin, No. 15-0143 (Tex. June 3, 2016), a Union Carbide employee, Kevin Martin, lost one of his legs in a workplace accident and recovered workers' compensation benefits through an owner-controlled insurance program (OCIP) administered by Union Carbide's parent company, Dow Chemical Company. Because Union Carbide was protected by the worker's compensation bar to suit, it could not be sued. Martin thus sued TIC Energy & Chemical Company, a subcontractor providing maintenance services at the facility, alleging TIC's employees negligently caused his injury. Read More ›
The Supreme Court of Texas has issued two recent opinions regarding the applicability of Chapter 95 of the Texas Civil Practice & Remedies Code, First Texas Bank v. Carpenter and Ineos USA, LLC v. Elmgren. Both of these opinions provide openings for plaintiffs to assert Chapter 95 is not applicable as an affirmative defense or avoid its applicability all together. Read More ›
New Mexico has enacted an oilfield anti-indemnity act, much like the legislation enacted in Texas, Louisiana and Wyoming, and previously discussed in other blogs. While the New Mexico Oilfield Anti Indemnity Act (the “Act”) is similar to other states' oilfield anti-indemnity acts in many respects, it does also contain a few distinguishing characteristics. Read More ›
As discussed in previous Donato, Minx, Brown & Pool Blog articles, multiple states have enacted Oilfield Anti-Indemnity Acts (for a previous blog entry giving a general introduction and historical overview of oilfield anti-indemnity acts, click here).
Oilfield anti-indemnity acts attempt to declare cost-shifting indemnity agreements pertaining to oilfield operations void. These acts have been enacted because state legislatures have perceived oilfield indemnity agreements to be the result of obvious bargaining inequities between the operator of an oilfield and its contractors. One of the states to enact an oilfield anti-indemnity act is the state of Wyoming. Read More ›
Last year, we began a series of posts concerning Oilfield Anti-Indemnity Acts starting with the Texas Oilfield Anti-Indemnity Act (“TOAIA”). TOAIA is the least restrictive of the anti-indemnity acts, especially in regards to the procurement of insurance. Recall that under TOAIA, parties may expressly agree to procure liability insurance to cover their own respective indemnity obligations in a reciprocal insurance agreement and not trigger the application of TOAIA. Further, parties may even enter unilateral indemnity agreements so long as the agreement caps the amount of insurance the indemnitor obtains at $500,000. Essentially, TOAIA expressly allows parties to avoid the prohibition on certain indemnity agreements by providing insurance. Read More ›