Chapter 14 Rights and Remedies

Index

Section 14.1 Introduction
Section 14.2 Nature of Relationship
Section 14.3 Duty of Good Faith and Fair Dealing
Section 14.4 Duty to Investigate
Section 14.5 Duty to Defend
Section 14.6 Duty to Settle
Section 14.7 Duty to Give Notice of Insurer’s Intent to Avoid the Policy
Section 14.8 Duty to Reimburse Insured for a Loss
Section 14.9 Duty to Pay Proceeds Promptly
Section 14.10 Duty to Return Unearned Premiums Upon Cancellation
Section 14.11 Timely Notice of Cancellation
Section 14.12 Payment of Premium
Section 14.13 Timely Notification of Loss
Section 14.14 Right to Litigate Open Questions of Law
Section 14.15 Right to Defend
Section 14.16 Right to Allege That Insured’s Injury Is Not Within Purview of the Policy
Section 14.17 Overview of Insured’s Remedies
Section 14.18 Statutory Remedy for Vexatious Delay
Section 14.19 Section 375.296, RSMo
Section 14.20 Section 375.420, RSMo
Section 14.21 Tort Remedy—Bad Faith
Section 14.22 Notice of Loss
Section 14.23 Misstatements and Misrepresentation
Section 14.24 Notice of Cancellation
Section 14.25 Coverage Disputes
Section 14.26 Deny Coverage
Section 14.27 Nonwaiver Agreements
Section 14.28 Reservation of Rights
Section 14.29 Declaratory Judgment Actions
Section 14.30 Definitions
Section 14.31 Excess vs. Primary—Nature of Relationship
Section 14.32 Rights of Excess Insurer and Duties of Primary Insurer
Section 14.33 Duty to Defend
Section 14.34 Primary Carrier’s Failure to Settle Within Its Limits
Section 14.35 Premature Exhaustion of Primary Limits
Section 14.36 Payment of Post-Judgment Interest and Costs
Section 14.37 “Other Insurance” Clauses
Section 14.38 Conflicts Between “Other Insurance” Clauses
Section 14.39 Primary Policies Without “Other Insurance” Clauses
Section 14.40 Primary Policies—Only One Contains “Other Insurance” Clause
Section 14.41 Primary Policies with Similar “Other Insurance” Clause
Section 14.42 Pro Rata Clause vs. Pro Rata Clause
Section 14.43 Excess Clause vs. Excess Clause
Section 14.44 Escape Clause vs. Escape Clause
Section 14.45 Primary Policies With Dissimilar “Other Insurance” Clauses
Section 14.46 Pro Rata Clause vs. Excess Clause
Section 14.47 Pro Rata Clause vs. Escape Clause
Section 14.48 Excess Clause vs. Escape Clause
Section 14.49 Excess Clause vs. Excess Clause
Section 14.50 Minority View