Category Archives: BAP

Commercial Auto: Owner of Semi-Trailer not Vicariously Liable for Negligent Operation of Semi-Truck.


What definition of “motor vehicle” applies when determining whether the Minnesota motor vehicle vicarious liability law applies?   The Minnesota Court of Appeals addressed the issue in late 2009. By 2005, only eleven states imposed vicarious liability on the owner of … Continue reading

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Commercial & Personal Auto: Vicarious Liability not Limited to Negligent Operation of Vehicle


By Greg Johnson. Every once in a while, while putting together a blog post on a particular issue, I run across a case that doesn’t fit into the post I am putting together, but is nonetheless interesting. Here’s an oldie, … Continue reading

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Commercial & Personal Auto: Permissive Use, Omnibus Coverage & Split Liability Limits


I often receive questions regarding the “rules” which apply to accidents involving rental vehicles, loaner vehicles, leased vehicles, demos, spot-delivered vehicles, etc.  I thought I’d take some time to update some of my seminar materials and provide an update.   … Continue reading

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Reducing Defense Costs: “High-Low Coverage Agreements”


I was dusting off some old seminar materials and ran across an article I had written back in 1995 regarding the use of high-low coverage agreements.  In light of the economy and insurer’s efforts to save costs, the article is perhaps even … Continue reading

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(Part V) Minnesota CGL: Getting a Handle on Large Construction Defect Claims


This post is a continuation of the series “Minnesota CGL: Getting a Handle on Large Construction Defect Claims.” This post (Part V) addresses the obligation of a subcontractor and its commercial general liability (CGL) insurer with regard to the defense … Continue reading

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Minnesota Coverage Law: Criminal Acts Exclusion


In Progressive Northern Ins. Co. v. McDonough, ___ F3rd____ (8th Cir. 2010) (applying Minnesota law), the Eighth Circuit Court of Appeals recently interpreted a criminal acts exclusion in an auto policy to bar coverage.  After a night of drinking, Morelli … Continue reading

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Minnesota Adopts “Equitable Contribution” to Apportion Defense Fees


Last week, the Minnesota Supreme Court overruled, finally, the archaic “Iowa National” rule.  Iowa National prohibited a defending liability insurer from seeking contribution or reimbursement of attorney’s fees and costs from other liability insurers who refused to defend.   In Iowa National Mutual Insurance Co. v. Universal … Continue reading

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Negotiated Medical Payments are Collateral Sources says Minnesota Supreme Court


In Swanson v. Brewster, Ct. File AO8-8O6, a decision of the Minnesota Supreme Court released on June 29, 2010, the court held that negotiated-discount amounts—amounts a plaintiff is billed by a medical provider but does not pay because the plaintiff’s … Continue reading

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Lost Policies: Burdens of Proof


What happens when you cannot find an old liability insurance policy?  Here’s a few ground rules. It is well established that the burden of demonstrating liability coverage rests upon the insured.  See, e.g., Domtar, Inc. v. Niagara Fire Ins. Co., … Continue reading

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