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The Rough Notes Company Inc.

Court Decisions

Does renters policy cover owned house?

Does renters policy cover owned house? Barry Van Sickle purchased a house in Stevensville, Montana, in 2001. In 2010, Van Sickle put the house up for sale and completed a standard Montana seller’s property disclosure statement. The disclosure requested the seller to “Please describe any Adverse Material Facts concerning the items listed or other components, fixtures or matters,” followed by a request for information about the “BASEMENT: (Leakage, Flooding, Moisture

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The coverage that wasn’t there

The coverage that wasn’t there In May 2008, a teenager purchased alcohol at Myong Suk Day’s grocery store and shared it with his underage friends. The teenagers raced through Point Defiance Park and injured two pedestrians, William Lee and Dawn Smith, who sued Day in 2009. Day contacted her independent  agent, Michael Huh. Although Day and Huh had different versions of their first meeting and whether Day asked for liquor

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Apples and oranges: Auto and umbrella policies are not “similar”

Apples and oranges: Auto and umbrella policies are not “similar” Jody Massey suffered severe injuries on June 11, 2012, when a truck being driven by Brett Pruitt collided with a car being driven by Massey. In May 2014, she filed an action against Pruitt seeking monetary damages for her injuries. Massey subsequently settled with Pruitt in exchange for $100,000, the limits of his automobile policy. Massey then amended her complaint to

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No proof of driver’s UM status

No proof of driver’s UM status On July 11, 2012, Silas Dean was driving his wife’s 2001 Lexus 300, which was insured (with uninsured motorists coverage) by State Farm Mutual Automobile Insurance Company. He was going west through an intersection and testified that he had the green light but was struck by a southbound 2011 Ford Ranger driven by Robert McKellar and insured by Progressive Insurance Company. The impact spun the Lexus around, resulting in two

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Tall tale from tow trucker

Tall tale from tow trucker On March 9, 2005, Mark Silva, a tow truck operator, was assisting a vehicle stuck in a snowdrift on Route 6 in Provincetown, Massachusetts. Silva had pulled his truck to the side of the road and hooked up a tow line to the disabled car. The road conditions were “snowy, slushy, and icy.” Dorothy McQuinn was driving on Route 6 with her fogged-up windshield obstructing her

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