Careening race cars, missing diamonds, and gold treasure provide some of the backdrop for insurance issues that courts had to decide this past month. We begin in Pennsylvania where the state’s high court reined in some loose analysis by the lower courts. If a controlled substances exclusion applies to “bodily injury” claims and “bodily injury” does not include emotional harm, must an insurer defend a claim that potentially asserts emotional harm? The Illinois Court of Appeals found that the innocent insured doctrine overrides an unambiguous policy exclusion where a diamond goes missing. See if you agree.
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