Insurance Coverage

John Fleming represented an insurance company in a claim by a policy holder that the claim made by a third party was not covered by the language of the policy.  The court ruled there was no coverage, based on the fact that the risk was not a “covered” loss under the policy.

The firm was successful in achieving judgment from the trial court in favor of the insurance company, finding no coverage under circumstances where the resident of the household supplied illegal drugs to a guest in the house, resulting in the death of the guest.

John represented an insurance carrier and gained judgment of non-coverage for a vehicle that was owned by a car dealership and taken by an employee of the car dealership without permission, resulting in a significant vehicle accident with multiple injuries. The court determined there was no coverage under the various provisions of the insurance policy, including specifically that the dealership vehicle did not constitute a "temporary substitute vehicle."