What is the duty to defend?

When you have liability insurance, the first thing, the insurance company looks at is whether they have a duty to defend you in any sort of claim or lawsuit that is being brought against you for bodily injury or property damage. The duty defend looks at the language in the lawsuit that’s being brought against … Continue reading “What is the duty to defend?”

What if the vandal is someone I know, who do I file a claim against?

If you’ve suffered damages from vandalism and you know who the vandal is then the important question is whether there was any sort of intentional planning there between you and that vandal. Normally you should be fine and you can still put in a claim with your insurance company.