Michael discusses how an insurance company's failure to investigate representations on an insured's policy application can prevent it from asserting coverage defenses based on that application in some jurisdictions.

You can read how Missouri handles that issue and rescission here (https://www.dropbox.com/s/p8rnao3imkpiw1f/missouri.pdf?dl=0).

And you can read about the other ways that insurers lose their coverage defenses here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).

Michael discusses how carriers can lose their insurance coverage defenses through inaccurate certificates of insurance.

You can read Michael's article on same here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).

Michael discussed how carriers promising coverage during the underwriting process can cost them their insurance coverage defenses later.

You can read Michael's article on same (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/) and an Illinois appellate court decision on same (https://www.heplerbroom.com/blog/read-insurance-policy-carefully-insured-bound-terms-policy-alleged-representations-insurers-agent/).

Michael discuss the Top Ten Ways that Insurance Companies Lose their Coverage Defenses.

For more information, check out Michael's article on this very topic (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).

For all its faults, we don’t see #insurance adjusters sued as often in Missouri as in other states. That said, a Missouri appellate court recently reversed a summary judgment entered in favor of an adjuster on a negligence theory. I think the decision turns largely on summary judgment procedural grounds, but it’s still something to keep in mind.   

The appellate court’s opinion can be found here (https://www.courts.mo.gov/file.jsp?id=149514).

Michael discusses the Seventh Circuit's recent decision in Lexington Insurance Company v. RLI Insurance Company, in which the court find RLI's policy ambiguous yet used extrinsic evidence to rule in RLI's favor in this complex excess policy dispute.

You can read the court's full opinion here (http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Display&Path=Y2020/D01-27/C:19-1426:J:Hamilton:aut:T:fnOp:N:2464901:S:0).

Michael discusses whether insurance claims files are discoverable in insurance coverage and bad faith litigation in Missouri.

Michael discusses why meeting insurance clients in person is so important to developing relationships in handling complicated claims.

Michael discusses recents comments by insurance claims professionals as to what should be on their outside counsel's New Year's Resolution List. 

You can contribute to the discussion on LinkedIn at https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6618867958561193984-x271.

Michael discusses a Missouri appellate court's recent opinion in Collier v. Steinbach in which the court rejected the plaintiff's introduction of the defendant's liability insurance at  trial of an auto accident case.

You can read a blog post by HeplerBroom, LLC's Emily Roman about the case here (https://www.heplerbroom.com/blog/flaunting-insurance-coverage-missouri-court-reaffirms-explains-rule-referencing-partys-liability-insurance-and-rare-exception/).

You can read the appellate court's opinion here (https://www.courts.mo.gov/file.jsp?id=147594).