Steven Plitt, Expert Witness Steven Plitt, Expert Witness
Insurance Bad Faith Claim Handling Expert Serving Clients Nationwide

Other Professional Publications

  1. Offensive Orders Are Pollution And Excluded Under Homeowners Policy:  No Exception. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 50 (September 22, 2016)
  2. Determining When A Criminal Act Exclusion Applies To The Duty To Defend.  Westlaw Journal Insurance Coverage 1, Vol. 26, No. 49 (September 16, 2016)
  3. Offensive Odors Are Pollutants According To South Carolina Court.  Claims Journal (September 12, 2016)
  4. Oregon Supreme Court Says Covenants Not To Execute In Insurance Disputes Are Not Releases. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 45 (August 19, 2016)
  5. Stacking UIM Coverages Under Missouri Law. Claims Journal (August 9, 2016)
  6. Kentucky Court Finds Tort Accrual Trigger For UM Claims Reasonable. Claims Journal (August 5, 2016)
  7. The "Inferred Intent" Doctrine And Emotional-Distress Claims Arising From Housing Discrimination. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 42 (July 28, 2016)
  8. Determining Accrual Date For Minnesota UM/UIM Claims:  Recent Case Decision. Claims Journal (July 20, 2016)
  9. Ohio High Court Rejects Inferred-Intent Doctrine In Fair Housing Discrimination Case. Claims Journal (July 15, 2016)
  10. Does Parental Discipline Suspend The Automobile "Regular Use" Exclusion? Westlaw Journal Insurance Coverage 1, Vol. 26, No. 40 (July 14, 2016)
  11. Washington Supreme Court Determines Test For Vehicle Use In UIM Context.  Westlaw Journal Insurance Coverage 1, Vol. 26, No. 38 (June 30, 2016) and Westlaw Journal Insurance Bad Faith 2, Vol. 12, No. 6 (July 20, 2016)
  12. Is A Foreign Exchange Student A "Ward" For Purposes Of UM/UIM And Medical Payments Coverage? Claims Journal (June 28, 2016)
  13. Passing The Duty To Defend To The Excess Carrier. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 37 (June 24, 2016)
  14. Plaintiff’s Prayer For Coverage Is Answered In Illinois. Claims Journal (June 1, 2016).
  15. Primary Insurer Must Exhaust Policy Via Payment To Pass Defense Obligation To Excess Insurer In New Hampshire. Claims Journal (May 23, 2016)
  16. New York Case Is Assault And Battery Plain And Simple. Claims Journal (May 18, 2016)
  17. Cracking The Known-Loss Doctrine.  Westlaw Journal Insurance Coverage 1, Vol. 26, No. 31 (May 13, 2016) and Westlaw Journal Insurance Bad Faith 2, Vol. 12, No. 3 (June 8, 2016)
  18. Settling Without Insurer Consent While Being Defended Under A Reservation Of Rights In Pennsylvania.  Westlaw Journal Insurance Bad Faith 2, Vol. 12, No. 1 (May 11, 2016)
  19. A Practical Approach To Pollution Exclusions. Claims Journal (May 10, 2016)
  20. Strict Statutory Compliance Required To Enforce Named Insured Exclusion In Connecticut. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 30 (May 5, 2015) and Westlaw Journal Insurance Bad Faith 2, Vol. 12, No. 2 (May 25, 2016)
  21. Publicizing DNA Results Does Not Fall Within TCPA Exclusion. Claims Journal (May 3, 2016)
  22. Eleventh Circuit Criticizes District Court For Focusing On Bad Faith Set-Up Conduct. Claims Journal (April 29, 2016)
  23. Strict Statutory Compliance Required To Enforce Named Insured Exclusion In Connecticut. Claims Journal (April 27, 2016)
  24. Insurer’s Controlled Substance Exclusion Didn’t Relieve Obligation To Defend Methadone Intoxication Death Case. Claims Journal (April 18, 2016)
  25. Intentional And Criminal Acts Or Omissions Bar Coverage. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 26 (April 7, 2016)
  26. What’s In A Name?  Insurance Coverage? Claims Journal (April 4, 2016)
  27. Some Knowledge Isn’t Enough To Trigger Known-Loss Exclusion.  Claims Journal (March 29, 2015)
  28. Massachusetts Court Adopts Standard For Business Pursuits Exclusion.  Westlaw Journal Insurance Coverage 1, Vol. 26, No. 24 (March 24, 2016) and Westlaw Journal Insurance Bad Faith 2, Vol. 11, No. 25 (April 13, 2016)
  29. Oregon Supreme Court Finds Covenants Not To Execute Are Not Releases. Claims Journal (March 23, 2016)
  30. Washington High Court Decides What Constitutes "Use" For UIM Coverage Attachment. Claims Journal (March 15, 2016)
  31. Getting The Lead Out Of The Pollution Exclusion. Westlaw Journal Insurance Coverage 1, Vol. 26, No. 16 (January 28, 2016) and Westlaw Journal Insurance Bad Faith 2, Vol. 11, No. 21 (February 17, 2016)
  32. Covering The Disgorgement Of Legal Fees.  Claims Journal (January 27, 2016)
  33. Alternate Intentional Loss Exclusion Defeats Coverage for Wrongful Death From A Single, Criminal Blow.  Claims Journal (January 21, 2016)
  34. Eleventh Circuit Predicts Florida Will Reject Manifestation Trigger. 2016 Windstorm Conference for Claims Journal (2016)
  35. Assigning Breach Of Contract Claim In Florida Doesn’t Violate Policy’s Anti-Assignment, Loss Payment Provisions.  Claims Journal (December 16, 2015)
  36. When Is A Claim For Reimbursement Of Defense Costs Ripe? Claims Journal (December14, 2015)
  37. Florida High Court:  Citizens Property Insurance Immune From First Party Bad Faith Claims. Claims Journal (December 8, 2015)
  38. Can An Insurer Seek Reimbursement For Uncovered Defense Costs Directly From Cumis Counsel? Claims Journal (December 1, 2015)
  39. Punitive Damages In A Bad-Faith, Failure-To-Settle Case:  Are They Recoverable? Westlaw Journal Insurance Coverage 1, Vol. 26, No. 6 (November 12, 2015)
  40. Hawaii High Court Adopts Equitable Subrogation In The Primary/Excess Insurance Context. Claims Journal (November 3, 2015)
  41. Louisiana High Court Addresses Insurance Spoliation Issue. Claims Journal (October 21, 2015)
  42. 10th Circuit Finds Oklahoma Law Doesn’t Require Excess Insurer To Proactively Seek Settlement. Claims Journal (October 15, 2015)
  43. Rejection Of Adjuster Negligence Claims Affirmed. Westlaw Journal Insurance Bad Faith 2, Vol. 11, No. 12 (October 14, 2015)
  44. Texas Supreme Court Upholds Anti-Concurrent-Causation Clauses In Property Policies.  Claims Journal (October 8, 2015)
  45. Louisiana’s Anti-Annulment Statute Doesn’t Prohibit Agreement Eliminating Insurer’s Obligation To Defend. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 52 (October 1, 2015)
  46. Colorado’s Highest Court Says Notice-Prejudice Rule Doesn’t Apply To Claims-Made Policies. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 51 (September 25, 2015) and Westlaw Journal Insurance Bad Faith 3, Vol. 11, No. 14 (November 11, 2015)
  47. Ninth Circuit Finds Anti-Concurrent-Causation Clauses Unenforceable In Arizona. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 50 (September 17, 2015)
  48. Insurer’s Reliance On Unpublished Appellate Decision Constitutes Fair Debatability, New Jersey High Court Rules. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 48 (September 3, 2015)
  49. Pleading A Lost-Policy Case:  1st Circuit Ruling Offers Guidance.  Westlaw Journal Insurance Coverage 1, Vol. 25, No. 47 (August 28, 2015) and Westlaw Insurance Journal Bad Faith 2, Vol. 11, No. 10 (September 16, 2015)
  50. Oklahoma Determines That Anti-Annulment Statute Applies To Claims-Made Policies. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 46 (August 20, 2015)
  51. Fifth Circuit Predicts Texas Law Will Validate Wasting Limit Policies. Claims Journal (August 18, 2015)
  52. Rejection Of Adjuster Negligence Claims Affirmed. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 45 (August 14, 2015)
  53. Sixth Circuit Court Predicts Kentucky Will Reject The Adoption Of Reverse Bad Faith. Claims Journal (August 12, 2015)
  54. California Court Finds That Fire Caused By Vagrant On Premises Is Not Excluded. Claims Journal (July 30, 2015)
  55. A Homeowner Policy’s Vacancy Exclusion Includes Arson In Florida. Claims Journal (July 27, 2015)
  56. Sexual Assault On The Job:  The Duty Of Insurers To Defend Employees Under California Law. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 42 (July 23, 2015) and Westlaw Journal Insurance Bad Faith 2, Vol. 11, No. 8 (August 19, 2015)
  57. Virginia Attorney Seeks Coverage For Accident Because He Was Thinking About Work. Claims Journal (July 23, 2015)
  58. Montana Supreme Court Adopts Notice-Prejudice Rule.  Claims Journal (July 21, 2015)
  59. Does Policy Provision Stating The Insurer Will Not Withhold Its Consent To Settle Unreasonably Vitiate The Consent To Settlement Requirement? Claims Journal (July 17, 2015)
  60. An Overview Of What Constitutes Collapse For Purposes Of Property Insurance Coverage Involving Hidden Decay. Ins. Lit. Rptr., Vol. 37, No. 10 (July 9, 2015)
  61. Independent Insurance Adjuster Liability To Insureds:  The Majority And Minority Views. Ins. Lit. Rptr., Vol. 37, No. 9 (June 26, 2015)
  62. New Jersey High Court Finds That Res Judicata Barred Plaintiff’s UM Bad Faith Claim, Not The Entire Controversy Doctrine. Claims Journal (June 25, 2015)
  63. District Court Finds Policy Required Matching Color For Replacement Panels That Were Damaged. Claims Journal (June 23, 2015)
  64. Right To Intervention Upheld By Montana Supreme Court. Claims Journal (June 17, 2015)
  65. Employee Exclusion Applies To Both Actual And Statutory Employees Under Florida Law. Claims Journal (June 10, 2015)
  66. Amplifying Louisiana’s Anti-Annulment Statute. Claims Journal (June 5, 2015)
  67. Defaming A Former Law Partner May Not Be Covered. Claims Journal (June 1, 2015)
  68. Named Insured’s Decision To Reject Higher UM Limits Was Not Binding On An Additional Insured. Claims Journal (May 27, 2015)
  69. Severance Of Bad-Faith Claims Under Texas Law When Coverage Issues Are Unresolved. Westlaw Journal Insurance Bad Faith 1, Vol. 11, No. 2 (May 27, 2015) and Westlaw Journal Insurance Bad Faith 1, Vol. 11, No. 2 (May 27, 2015)
  70. Innocent Insured Doctrine Doesn’t Preclude Policy Rescission For Misrepresentation In The Application. Claims Journal (April 15, 2015)
  71. Fair Debatability Defense Can Be Supported By Unpublished Court Decisions. Claims Journal (April 7, 2015)
  72. Texas Court Draws The Line On Allowing Broad Discovery Of Other Claims In Bad Faith Litigation. Westlaw Journal Insurance Bad Faith 1, Vol. 10, No. 24 (April 1, 2015)
  73. Workers’ Compensation Exclusive Remedy Bars Bad Faith Claim In North Carolina. Claims Journal (March 24, 2015)
  74. Number of Courts Rejecting Insurance Adjuster Negligence Claims Grows. Claims Journal (March 20, 2015)
  75. Standard Mortgage Clause Effects on Vacancy Restrictions In Homeowner Policies Under Minnesota Law. Claims Journal (March 13, 2015)
  76. Supplementing The NAIC’s Model Unfair Claims Settlement Practices Act:  Accompanying State Regulations. Ins. Lit. Rptr., Vol. 37, No. 3 (March 11, 2015)
  77. New Hampshire Court Finds Illegal Drug Activity Inherently Dangerous, Harmful Thus Liability Can’t Constitute A Covered Occurrence. Claims Journal (March 5, 2015)
  78. Offsetting Third Party Recoveries Against UIM Benefits.  Claims Journal (February 25, 2015)
  79. Notifying Additional Insureds Of Coverage Denials Under New York Law. Claims Journal (February 25, 2015)
  80. Texas High Court Finds No Direct Action Rule Can Apply to Declaratory Judgment Actions Brought Against Insurers In Some Cases. Claims Journal (February 13, 2015)
  81. A Jurisprudential Survey Of UM/UIM Statutes of Limitation. Ins. Lit. Rptr., Vol. 37, No. 1 (February 5, 2015)
  82. Ohio Supreme Court Ruling:  Context Is Everything.  Claims Journal (February 3, 2015)
  83. Reimbursing Defense Costs Under Alaska Law:  A Request For Clarity.  Claims Journal (January 29, 2015)
  84. 8th Circuit Reaffirms Missouri’s Cause Test, Rejects "Time And Space" Test For Determining Number of Occurrences. Westlaw Journal Insurance Coverage 1, Vol. 25, No. 10 (December 12, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 10, No. 19 (January 22, 2015)
  85. South Carolina Court Rules "Your Work" Exclusion Applies To Costs To Remove And Rebuild Brick Wall To Meet Contract Compliance. Claims Journal (January 8, 2015)
  86. New Jersey High Court Finds That Res Judicata Barred Plaintiff’s UM Bad Faith Claim, Not the Entire Controversy Doctrine. 2015 Windstorm Conference Claims Journal, Claims Journal (2015)
  87. Arkansas Faulty Workmanship Statute Does Not Have Retroactive Application. Claims Journal (December 11, 2014)
  88. Florida Appeals Court Provides Guidance On When An Insured’s Bad Faith Lawsuit Is Ripe. Claims Journal (December 5, 2014)
  89. Choosing Your Punishment May Foreclose UM (UIM) Coverage. Claims Journal (December 1, 2014)
  90. Defending Against Bad Faith: A Nuts And Bolts Review Of The Fair Debatability Doctrine And California’s Genuine Dispute Doctrine. Ins. Lit. Rptr., Vol. 36, No. 19 (November 13, 2014)
  91. Towing The Line On "Expected And Intended." Westlaw Journal Insurance Coverage 1, Vol. 25, No. 4 (October 31, 2014) and Westlaw Journal Insurance Bad Faith 3, Vol. 10, No. 15 (November 26, 2014)
  92. Public Policy Prevents Family Step-Down Clauses In South Carolina Auto Policies. Claims Journal (October 28, 2014)
  93. Louisiana’s Direct Action Statute Doesn’t Substantively Modify Claims-Made Policy Notice Provisions. Claims Journal (October 22, 2014)
  94. Extricating Injured Passenger From A Crashed Auto Constitutes Use Of That Auto. Claims Journal (October 21, 2014)
  95. Demanding Arbitration Is No Excuse For Bad Faith Conduct. Claims Journal (October 17, 2014)
  96. The Pitfalls Of Rejecting A Defense Under Texas "Same Facts" Test. Claims Journal (October 14, 2014)
  97. Arizona Courts Are Grappling With Fixing The Correct Punitive Damages Ratio:  A State Specific Measure Of Due Process.  Ins. Lit. Rptr., Vol. 36, No. 17 (October 13, 2014)
  98. Known Loss Exclusion Trumps Common-Law Known Loss Doctrine. Claims Journal (October 9, 2014)
  99. Conspiracy To Abduct Not Covered. Claims Journal (October 8, 2014)
  100. A Review Of Insurance Broker Duties Under California Law. Insurance Journal Magazine, Vol. 92, No. 19 (October 6, 2014)
  101. Product Disparagement Claims Do Not Include "Close Enough" Or "Better Than" Assertions. Westlaw Journal Insurance Coverage 1, Vol. 24, No. 52 (October 3, 2014); West Law Journal Insurance Bad Faith 2, Vol. 10, No. 13 (October 29, 2014)
  102. When Does Directing Traffic Constitute Vehicle Use? Claims Journal Magazine, Vol. 3, No. 4 (Fall 2014)
  103. Adjuster Negligence Claim Rejected By Vermont Supreme Court. Claims Journal (September 29, 2014)
  104. New York Strict Timelines Standard Doesn’t Apply To Environmental Claims. Claims Journal (September 24, 2014)
  105. Objecting To The Golden Rule During Trial.  Claims Journal (September 19, 2014)
  106. Proving The Content Of Lost Insurance Policies.  Ins. Lit. Rptr., Vol. 36, No. 15 (September 10, 2014)
  107. A Little Knowledge Goes A Long Way Against Defense And Indemnity Reimbursement. Claims Journal (September 15, 2014)
  108. When Considering A Prior Publication Exclusion, Does "Close Enough" Count? Claims Journal (September 12, 2014)
  109. Insurance Experts:  Does It Really Take One To Know One? Insurance Journal Magazine, Vol. 92, No. 17 (September 8, 2014)
  110. Indiana Supreme Court Considers Enforceability Of Workers’ Compensation Setoff Provisions In UIM Context. Westlaw Journal Insurance Coverage 1, Vol. 24, No. 48 (September 5, 2014) and Westlaw Journal Insurance Bad Faith 3, Vol. 10, No. 11 (October 1, 2014)
  111. Indiana Supreme Court Affirms Importance Of Reading Policy. Insurance Journal (August 26, 2014)
  112. The Effect Of No-Contest Pleas On D&O Coverage Exclusions.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 46 (August 22, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 10, No. 10 (September 17, 2014)
  113. Court Holds That Companies Do Not Need To Disclose Use Of In-House Counsel To Defend Insureds At The Time Of Insurance Purchase. The Voice, Vol. 13, No. 33 (August 20, 2014)
  114. It’s A Fine Line:  Interpreting Status-Based Exclusions.  Claims Journal (August 18, 2014)
  115. Payment of Prior Claims May Not Estop Denial Of Future Claims.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 44 (August 8, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 10, No. 9 (September 3, 2014)
  116. New York Court of Appeals’ Stunning K2 About Face.  Ins. Lit. Rptr., Vol. 36, No. 13 (August 8, 2014)
  117. California Court Finds That Bad Cooking Odors Did Not Result In Property Damage. Claims Journal (July 31, 2014)
  118. South Dakota High Court Rules That Continuous And Progressive Damage Exclusion Does Not Violate Public Policy.  Claims Journal (July 28, 2014)
  119. The Meaning Of "Incurred" In The Medical Payments Coverage Context.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 40 (July 11, 2014)
  120. When In Doubt – Consider An IME.  Claims Journal (July 1, 2014)
  121. What Constitutes Collapse For Purposes Of Property Insurance Coverage.  Claims Journal Magazine, Vol. 3, No. 3 (Summer 2014)
  122. Landlord Beware:  Criminal Acts Causing Property Damage Are Not Covered By Homeowner Policy.  Claims Journal (May 22, 2014)
  123. Cleveland Indians Baseball vs. New Hampshire Insurance:  An Agent’s Duty To Additional Insureds.  Insurance Journal Magazine, Vol. 92, No. 10 (May 19, 2014)
  124. Theft Alone Is Not A Publication For Personal Injury Coverage.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 32 (May 16, 2014)
  125. Seventh Circuit Court:  Alcoholic Energy Drinks Excluded From Coverage. Claims Journal Magazine (April 28, 2014)
  126. Historical Tour Of The Contra Preferentem Doctrine. Claims Journal Magazine, Vol. 3, No. 1 (Spring 2014)
  127. The Potential Liability Rule Inapplicable In A Priest Molestation Case.  Claims Journal (April 16, 2014)
  128. Odor From Hog Farms Is Not A Pollutant.  Claims Journal (April 8, 2014)
  129. Washington Follows Qualcomm.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 26 (April 4, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 9, No. 26 (April 30, 2014)
  130. North Dakota Law Upholds Insureds Step-Down Clauses. Claims Journal (April 1, 2014)
  131. Do Insurers Have To Disclose Their Investigative File Before An EUO? Claims Journal (March 26, 2014)
  132. Analyzing Concurrent Causation:  Independence Is The Key.  Claims Journal (March 24, 2014)
  133. Excluding Stigma Damages In The Underinsured Motorist Context.  Claims Journal (March 19, 2014)
  134. Determining The Number Of Occurrences From Carbon Monoxide Poisoning. Claims Journal (March 13, 2014)
  135. Ruling In Dog-Bite Case Opens The Door To Expanded Insurance Coverage.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 22 (March 7, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 9, No. 10 (May 14, 2014)
  136. When Does The Obligation To Pay Cumis Counsel End? Westlaw Journal Insurance Coverage 1, Vol. 24, No. 20 (February 21, 2014) and Westlaw Journal Insurance Bad Faith 2, Vol. 9, No. 22 (March 5, 2014)
  137. Wisconsin Supreme Court Redefined The Boundary Lines Of Occurrences. Claims Journal Magazine, Vol. 3, No. 1 (Winter 2014)
  138. Are UM/UIM Insurers Obligated To Advance To Their Insureds Undisputed Partial Payments Before Total Claim Value Is Determined? Ins. Lit. Rptr., Vol. 36, No. 2 (February 18, 2014)
  139. Pennsylvania Court Rejects UM Claim Because Of Delay. Claims Journal (February 13, 2014)
  140. Stipulations And Concessions That Forged The Framework Of Arbitrability Of Class Actions Under The Federal Arbitration Act.  Westlaw Journal Insurance Coverage 1, Vol. 24, No. 18 (February 7, 2014) and Westlaw Journal Insurance Bad Faith 3, Vol. 9, No. 22 (March 5, 2014)
  141. Connecticut Embraces The Make Whole Doctrine. Claims Journal (January 30, 2014)
  142. Montana Weighs In On The Obligation To Provide Co-Counsel To Assist Another Insurer Defending Mutual Insureds. Claims Journal (January 27, 2014)
  143. Insureds’ Agreement To Read Insurance Policy (What Is An Insurance Agent To Do?). Insurance Journal (January 23, 2014).
  144. Colorado Court Requires Insurer To Prove Prejudice To Raise Voluntary Payment Defense. Claims Journal (January 15, 2014)
  145. When Is A Sexually Molested Hotel Guest Within The Care, Custody And Control Of The Hotel.  Claims Journal (December 23, 2013)
  146. Rhode Island High Court Establishes Statue Of Limitations For UM/UIM Claims. Claims Journal (December 19, 2013)
  147. Methamphetamine Is Not A Narcotic For Purposes Of Accidental Death Coverage (South Carolina—Accidental Death Coverage/Exclusion For Narcotics).  DRI, Covered Events Newsletter, 2013, Issue 11 (December 5, 2013)
  148. Excess Insurance And Equitable Subrogation:  Oklahoma Clarifies Its Equitable Subrogation Rule. Claims Journal (December 3, 2013)
  149. The Mutual Mistake Doctrine And The Purchase Of Insurance.  Insurance Journal Magazine, Vol. 91, No. 23 (December 2, 2013)
  150. Paying For Rescission. The Voice, Vol. 12, No. 46 (November 20, 2013)
  151. Is Negligent Misrepresentation A Covered "Occurrence"? Claims Journal (November 13, 2013)
  152. Is A Coinsurance Penalty Based Upon ACV Or RCV? Claims Journal (November 4, 2013)
  153. Florida Supreme Court Says That Replacement Cost Includes Profit And Overhead. Claims Journal (October 30, 2013)
  154. Florida Court Reaffirms Extrinsic Evidence Is Not Permitted To Resolve Ambiguity In An Insurance Contract. Claims Journal (October 24, 2013)
  155. Negligent Infliction Of Emotional Distress Claims And Uninsured Motorists/Under Insured Motorists Coverage. Claims Journal Magazine, Vol. 2, No. 4 (Fall 2013)
  156. Seeking Reimbursement Of Defense Costs In The Context Of Reservation Of Rights:  The Washington Supreme Court Weighs In. Ins. Lit. Rptr., Vol. 35, No. 17 (October 1, 2013)
  157. Is The Risk Of Relapse Into Substance Abuse Enough To Constitute A Current Disability For Doctors? The Voice, Vol. 12, No. 36 (September 11, 2013); DRI Today (September 17, 2013)
  158. State And Federal Courts Continue To Fill The Gap On The Question Of Whether The Lack Of Exhaustion Of Primary Insurance Can Trigger Excess Coverage. Ins. Lit. Rptr., Vol. 35, No. 15 (September 9, 2013)
  159. Insurance Coverage for Discounting the Price of Goods for Sale? Insurance Journal Magazine, Vol. 91, No. 17 (September 9, 2013)
  160. In Alaska, A Claim Of Self-Defense Was Unavailing Where Insured Entered Inconsistent ‘No Contest’ Plea. Westlaw Journal Insurance Coverage 2, Vol. 23, No. 48 (September 6, 2013) and Westlaw Journal Insurance Bad Faith 3, Vol. 9, No. 14 (November 7, 2013)
  161. 5th Circuit Affirms Matador Decision. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 46 (August 23, 2013) and Westlaw Journal Insurance Bad Faith 3, Vol. 9, No. 15 (November 21, 2013)
  162. Two Essential Discussions That Should Be Used In All Reservation Of Rights Letters. In-House Defense Quarterly (Summer 2013)
  163. The Kentucky Supreme Court Utilizes The Integral Parts Test In Hit-And-Run UM Cases. Claims Journal (August 13, 2013)
  164. High-Stakes Poker In New York Over Insurer’s Decision Not To Defend Its Insured. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 44 (August 9, 2013) and Westlaw Journal Insurance Bad Faith 2, Vol. 9, No. 9 (August 29, 2013)
  165. Notifying Excess Insurers For Additional Insureds. Insurance Journal (August 9, 2013)
  166. Does Uninsured Motorist Coverage Apply To Negligent Infliction Of Emotional Distress Claims?  Ins. Lit. Rptr., Vol. 35, No. 12 (July 23, 2013)
  167. The Selective Tender Rule Rejected In The Workers’ Compensation Context.  Claims Journal Magazine, Vol. 2, No. 3 (Summer 2013)
  168. Rhode Island Court’s Ruling On Self-Insured Retentions In Med-Mal Policies.  Insurance Journal (July 23, 2013)
  169. Intervention Nuances Under California Law.Claims Journal (July 22, 2013)
  170. No Bad Faith In The Workers’ Compensation Context:  Texas Supreme Court Puts An Exclamation Point On Its Prior Case.Claims Journal (July 15, 2013)
  171. Washington Law Reverse-Preempts The Federal Arbitration Act In The Insurance Context. Westlaw Journal Insurance Coverage 2, Vol. 23, No. 40 (July 12, 2013)
  172. Enforcement Of UIM Exhaustion Clauses:  The Utah Supreme Court Weighs In. Ins. Lit. Rptr., Vol. 35, No. 10 (June 26, 2013)
  173. Voluntary Payment Clauses. Claims Journal (June 26, 2013)
  174. Denying Coverage And Reserving Rights Simultaneously:  Georgia Supreme Court Says Insurer Can’t Have Its Cake And Eat It Too. Claims Journal (June 24, 2013)
  175. Insurers Aren’t Required To Tell Insureds That They Filed A Claim Under The Wrong Policy. Claims Journal (June 20, 2013)
  176. Utilizing The "Place Of Injury" Test Regarding Territorial Limitation Clauses In Insurance Policies. Claims Journal (June 17, 2013)
  177. Washington Supreme Court Limits Insurers’ Right To Jury Trial In Bad-Faith and Coverage Cases. Westlaw Journal Insurance Bad Faith 1, Vol. 9, No. 3 (June 11, 2013)
  178. Reasonable Expectation Doctrine Trumps Insured’s Duty To Read Insurance Policy. Claims Journal (June 10, 2013)
  179. All-Risk Coverage For Stigma Claims Involving Real Property.  Ins. Lit. Rptr., Vol. 35, No. 9 (June 5, 2013)
  180. Direct Physical Loss In All-Risk Policies:  The Modern Trend Does Not Require Specific Physical Damage, Alteration.  Claims Journal Magazine, Vol. 2, No. 2 (Spring 2013)
  181. Providing Notification To Insureds Of The Opportunity To Purchase UM/UIM Insurance:  Is "English Only" Enough? Ins. Lit. Rptr., Vol. 35, No. 7 (May 1, 2013)
  182. Application Of The Equality Of Consideration Test In Coverage Disputes. Common Defense (Spring 2013)
  183. The Ongoing Debate Over Bad Faith And Workers’ Compensation. Westlaw Journal Insurance Bad Faith, Vol. 8, No. 25 (April 16, 2013)
  184. Taking Level 3 Communications To The Next Level:  Polishing The ‘Insured Vs. Insured’ Exclusion. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 26 (April 5, 2013) and Westlaw Journal Insurance Bad Faith 3, Vol. 9, No. 16 (December 5, 2013)
  185. The Inherent Tension Between Professional Ethics Regarding Mistakes And Insurance Policy Liability Admission Clauses.  The Voice, Vol. 12, No. 13 (April 3, 2013)
  186. Legislation Regulating Coverage For Faulty Workmanship Cannot Be Applied Retroactively. Claims Journal (April 1, 2013)
  187. Insurer’s Obligation To Notify The Insured Of The Need For Allocated Verdicts And Settlements. Claims Journal (March 28, 2013)
  188. Pollution Exclusions In Indiana Require List Of Specific Substances, State Supreme Court Says. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 22 (March 8, 2013) and Westlaw Journal Insurance Bad Faith 2, Vol. 8, No. 24 (April 2, 2013)
  189. Analyzing Recent Cases Involving Bad Faith Set-Ups. Ins. Lit. Rptr., Vol. 35, No. 3 (March 4, 2013)
  190. When Using Colossus Independent Judgment Is A Must.  Claims Journal Magazine, Vol. 2, No. 1 (Winter 2013); Claims Journal (May 9, 2013)
  191. Can An Excess Insurer Sue A Primary Insurer’s Defense Counsel For Malpractice? Claims Journal (February 26, 2013)
  192. Is There A Right To Pre-Litigation Independent Counsel? Westlaw Journal Insurance Coverage 1, Vol. 23, No. 20 (February 22, 2013)
  193. Excess Insurers Prejudiced When There is No Notice of Underlying Suit. Claims Journal (February 21, 2013)
  194. Insuring Contractual Liability. Ins. Lit. Rptr., Vol. 35, No. 2 (February 19, 2013)
  195. New York Court’s Latest Take On Insured’s Duty To Read Policy. Insurance Journal (February 19, 2013)
  196. New Twist On The Question Of An Insurer’s Duty To Defend Criminal Proceedings. Claims Journal (February 11, 2013)
  197. Can An Unborn Fetus Qualify As A "Resident of Household" For Coverage Determinations?  Claims Journal (January 23, 2013)
  198. Can An Insured Restrict The Insurer’s Right To Use Pre-Litigation IMEs? Claims Journal (January 15, 2013)
  199. Sexual Assaults In Taxicabs And Application Of The Automobile Exclusion In CGL Policies.  Ins. Lit. Rptr., Vol. 34, No. 20 (December 7, 2012)
  200. Application Of The ‘Insured vs. Insured’ Exclusion To Federal Takeovers Of Financial Institutions. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 7 (November 21, 2012)
  201. Determining Insured Status On Auto Liability Coverage. Claims Journal Magazine, Vol. 1, No. 4 (Fall 2012)
  202. The Risk Landscape of Cyberspace.  Insurance Journal Magazine, Vol. 90, No. 21 (November 2012)
  203. Insurers Finally Get Right To Jury Trial In New Jersey. Westlaw Journal Insurance Coverage 1, Vol. 23, No. 4 (November 2, 2012) and Westlaw Journal Insurance Bad Faith 3, Vol. 8, No. 16 (December 11, 2012)
  204. When Does the Filing of a Declaratory Judgment Action Constitute Bad Faith?  Ins. Lit. Rptr., Vol. 34, No. 17 (October 8, 2012)
  205. Is Texas Turning The Corner By Allowing Exceptions To The Strict ‘8-Corners’ Rule? Westlaw Journal Insurance Coverage 1, Vol. 22, No. 51 (September 28, 2012) and Westlaw Journal Insurance Bad Faith 2, Vol. 8, No. 21 (February 19, 2013)
  206. Florida Public Adjuster Waiting Period Deemed Unconstitutional.  Claims Journal (October 1, 2012)
  207. The Arizona Court of Appeal Moves Close To A One-To One Ratio in Punitive Damage Bad Faith Cases.  Common Defense (Fall 2012)
  208. Determining Insurance Coverage For Sexual Misconduct Under Arizona Law: A Microcosm Of The National Debate. Ins. Lit. Rptr., Vol. 34, No. 15 (September 13, 2012)
  209. Challenging Fraudulent Joinder, The Clock Is Ticking.  The Voice, Vol. 11, No. 36 (September 12, 2012)
  210. Coverage For Diminished Value Following Post-Crash Repairs Debate.  Claims Journal (August 28, 2012)
  211. Stepping Outside Of UM Coverage: Assaults By An Insured Outside A Vehicle. Claims Journal (August 22, 2012)
  212. Do Insurance Brokers Have An Obligation To Offer The Cheapest Coverage Available? Insurance Journal Magazine, Vol. 90, No. 15 (August 2012)
  213. Ninth Circuit Court Of Appeals Expands Insurer’s Duty To Settle Under California Law. Claims Journal (July 31, 2012)
  214. Minnesota High Court Blurs Line Between Coverage Determination And Amount Of Loss In Appraisal. Claims Journal (July 17, 2012)
  215. Telephone Consumer Protection Act And Violations of Seclusion. Claims Journal Magazine, Vol. 1, No. 3 (Summer 2012)
  216. Evaluating Medical Payment Coverage Questions.  Claims Journal (May 7, 2012)
  217. Understanding the Right of Reimbursement For Defense Costs When Reserving Rights.  Claims Journal (May 1, 2012)
  218. Policy Buyback Limitations.  Claims Journal (April 23, 2012)
  219. Examinations Under Oath.  Claims Journal Magazine, Vol. 1, No. 2 (Spring 2012)
  220. Incomplete Claim Investigations May Create Coverage Where No Coverage Exists. Claims Journal (March 12, 2012)
  221. To Sue Or Not To Sue:  Allowing Private Litigation Over Insurer Bad Faith In The Workers’ Compensation Context.  Claims Journal Magazine, Vol. 1, No. 1 (Winter 2012)
  222. Vandalism, Vacancy And The Absence Of Property Coverage. Ins. Lit. Rptr., Vol. 33, No. 18 (November 4, 2011)
  223. A Framework Of Adjusting Medical Claims Involving Possible Experimental Treatment.  Claims Journal (October 27, 2011)
  224. Interpreting Immunity:  Why It’s Wise To Use Caution With Insurance Fraud Cases.  SIU Today, Vol. 25, No. 3 (Fall 2011)
  225. The Extension Of Insurance To Cover The Plaintiff’s Financial Risk Of Litigation:  "Bodily Injury" "Property Damage" And "Attorney’s Fees" Caused By An Occurrence? Common Defense (Fall 2011)
  226. Be Careful What You Say When Issuing A Binder. Insurance Journal Magazine, Vol. 89, No. 17 (September 2011)
  227. Read The Policy. Insurance Journal Magazine, Vol. 89, No. 15 (August 2011)
  228. Exploring Experimental Treatment Exclusions.  Ins. Lit. Rptr., Vol. 33, No. 10 (July 8, 2011)
  229. A Review Of ISO’s Fungi And Bacteria Exclusion.  Ins. Lit. Rptr., Vol. 33, No. 8 (May 23, 2011)
  230. Bad-Faith Cases:  Preserving Affirmative Defenses. DRI For the Defense, Vol. 53, No. 5 (May 2011)
  231. Communicable And Transmission Of Disease Exclusions. Ins. Lit. Rptr., Vol. 33, No. 7 (May 6, 2011)
  232. Why Bragging May Create A Greater Legal Duty Of Care. Insurance Journal Magazine, Vol. 89, No. 9 (May 2011)
  233. Implied Consent To Representation Is Not Enough.  Common Defense (Spring 2011)
  234. The Perils Of Testing The Contours And Boundaries Of Morris Agreements. Common Defense (Spring 2011)
  235. Vigilance Guards Against Short Fuse, Third-Party, Bad Faith Set-Ups. Claims Journal (April 7, 2011)
  236. Agency E&O Liability For Failing To Procure Coverage.  Insurance Journal Magazine, Vol. 89, No. 6 (March 2011)
  237. Voluntary Intoxication And The Application Of Intentional Act Exclusions. Ins. Lit. Rptr., Vol. 33, No. 3 (March 7, 2011)
  238. A Roadmap For NAIC’s Unfair Claims Settlement Practices Act.  Claims Journal (March 3, 2011)
  239. What Every Claim Adjuster Should Know About Bad Faith.  Claims Journal (February 3, 2011)
  240. Do Standard Automobile Liability Insurance Policies Cover Drive-By Shootings? Ins. Lit. Rptr., Vol. 31, No. 21 (December 17, 2010)
  241. Are You Crazy?: Determining Mental Capacity As A Pre-Requisite To The Attachment of an Intentional Act Exclusion.  Ins. Lit. Rptr., Vol. 32, No. 20 (December 3, 2010)
  242. Annulment Of Liability Policies Post-loss (Policy Buy-Back/Release).  Ins. Lit. Rptr., Vol. 32, No. 19 (November 15, 2010)
  243. A Requiem For Ingenix. Ins. Lit. Rptr., Vol. 32, No. 15 (September 15, 2010)
  244. A Critical Review Of The Practice Of Setting Up Insurance Companies For Bad Faith. Ins. Lit. Rptr., Vol. 32, No. 10 (July 1, 2010)
  245. A Recent Challenge To UM/UIM Offering Requirements For Excess And Umbrella Coverage Has Revived An Old Debate.  Ins. Lit. Rptr., Vol. 32, No. 7 (May 10, 2010)
  246. Splitting Claim Files:  Managing The Concern For Conflicts Of Interest Through Use Of Insurance Company Conflict Screens.  Ins. Lit. Rptr., Vol. 32, No. 6 (April 26, 2010)
  247. Mortgage Demands For Homeowner Coverage:  When The Insured Property Has Been Stripped During Foreclosure.  In-House Defense Quarterly (Winter 2010)
  248. Wrap-Ups And Agent E&O Exposures.  Claims Journal (December 22, 2009)
  249. Shifting Attorneys’ Fees To The Losing Party:  Is It Covered Under The Policy? Ins. Lit. Rptr., Vol. 31, No. 20 (November 2009)
  250. Determining Permissive User Status In Automobile Liability. Claims Journal (November 16, 2009)
  251. A Basic Understanding Of Lloyd’s Of London Which Every Insurance Lawyer Should Have. Common Defense (Fall 2009)
  252. A Timely Reminder On Managing Agency E&O Risk. Claims Journal (November 10, 2009) and Insurance Journal (November 11, 2009)
  253. It’s Time To Review Essential Procedures For Managing E&O:  Systems, Checklists, Guidelines, Manuals Among Tools Useful In Reducing Agency Errors.  Insurance Journal Magazine, Vol. 87, No. 21 (November 2, 2009)
  254. Insuring The Emerging Markets In Bio And Nanotechnology. Ins. Lit. Rptr., Vol. 31, No. 17 (October 13, 2009)
  255. Timely Claims Reporting:  A Serious Obligation For Agencies. Insurance Journal Magazine, Vol. 87, No. 18 (September 21, 2009)
  256. Understanding Basic Principles Of Biomechanical Engineering In Low Speed Rear-End Collision Scenarios. Claims Journal (September 10, 2009)
  257. Coverage Issues Associated With Federal Clean Water Act Violations For Discharging Land Fill Into Waterways. Ins. Lit. Rptr., Vol. 31, No. 13 (August 12, 2009)
  258. A Proportional Methodology For Determining Covered Damages Where Continuous And Progressive Injury Is Involved. Ins. Lit. Rptr., Vol. 31, No. 11 (July 13, 2009)
  259. Compendium Of References To Insurance Company Bad Faith Set Up Situations.  Ins. Lit. Rptr., Vol. 31, No. 11 (July 13, 2009)
  260. The Fifth Amendment To The U.S. Constitution Is No Bully To A Carriers’ Right To An Examination Under Oath.  IASIU, SIU Today, Vol. 23, No. 2 (Summer 2009)
  261. Counting The Number Of "Occurrences" Where The Predicate Tort Involves A Pattern Of Conduct Or Interrelated Process. Ins. Lit. Rptr., Vol. 31, No. 7 (May 4, 2009)
  262. The Discoverability Of Reserve Information In Bad Faith Cases.  Ins. Lit. Rptr., Vol. 31, No. 3 (March 1, 2009)
  263. How to Avoid Agency Errors And Omission Claims:  Advising Clients On Specific Dollar Values Of Coverages They Need To Consider May Create Unnecessary Exposures.  Insurance Journal Magazine, Vol. 87, No. 3 (February 2009)
  264. A Jurisprudential Survey Regarding Submission Of Coverage Questions To Appraisal In The Homeowner Policy Context. Ins. Lit. Rptr., Vol. 30, No. 21 (December 15, 2008)
  265. The Pedigree of USAA v. Morris:  How To Answer Clients When They Call To See If The Morris Decision Can Be Challenged.  e-Common Defense (November 2008)
  266. Triggering Coverage in Construction Defect Cases. e-Common Defense (November 2008)
  267. Strategic Planning For An Increasing Direct Writer Marketplace. Insurance Journal Magazine, Vol. 86, No. 22 (November 2008)
  268. Claim Investigation When The Insured Raises The Fifth Amendment Privilege. Claims Journal (November 3, 2008)
  269. The Inherent Tension Between The Fifth Amendment Right Against Self-Incrimination And The Insurance Company’s Contractual Right To Cooperation:  Can A Jurisprudential Balance Be Achieved? Ins. Lit. Rptr., Vol. 30, No. 18 (October 10, 2008)
  270. A Survey Of Ingenix As An Evaluative Tool In Assessing Usual, Customary And Reasonable Medical Charges For Insurance Companies. Ins. Lit. Rptr., Vol. 30, No. 17 (October 1, 2008)
  271. The Modernization Of Arizona’s UM/UIM Written Offer Requirement. e-Common Defense (September 2008)
  272. Lennar Corp. v. Auto-Owners Insurance Co., Expanding Coverage For Faulty Workmanship Claims. e-Common Defense (September 2008)
  273. The Impact Of Certificates Of Insurance in Determining The Availability Of Coverage For Additional Insureds. Ins. Lit. Rptr., Vol. 30, No. 14 (August 5, 2008)
  274. Advertising Injury Coverage For Fax Blasting And Lantham Act Claims. Ins. Lit. Rptr., Vol. 30, No. 13 (July 20, 2008)
  275. Effectively Using E-Sign To Underwrite UM/UIM Coverage.  Claims Journal (July 1, 2008)
  276. Analyzing The Innocent Co-Insured Exception To Intentional Acts In Community Property States. Claims Journal (June 10, 2008)
  277. Limiting Bad-Faith Exposure:  Blindly Accept Colossus Recommendations At Your Own Risk. Claims Magazine, Vol. 56, No. 6 (June 2008)
  278. Is The Race Really On?  Application Of Racing Exclusions Within Standard Automobile Liability Policies.  Ins. Lit. Rptr., Vol. 30, No. 9 (May 30, 2008)
  279. A Different Perspective On Payment Of Profit And Overhead When Insureds Do Repairs. Claims Journal (May 5, 2008)
  280. Federal Preemption Of State Statutory Requirements:  Written Offers/Rejections Of UM/UIM Coverage In The Modern Age. DRI For The Defense, Vol. 50, No. 5 (May 2008)
  281. Reasonable Expectations For Agents’ E&O.  Insurance Journal-National, West Region, Vol. 86, No. 6 (March 2008)
  282. Use Of Independent Medical Examinations:  Analyzing Bad Faith Exposures Arising In First-Party Coverage Determinations.  In-House Defense Quarterly, Vol. 3, No. 2 (Spring 2008)
  283. The Justicability Of Increased Insurance Premium Claims:  A Uniformity Of Dismissal? Ins. Lit. Rptr., Vol. 30, No. 2 (January 31, 2008)
  284. Understanding Federal Bankruptcy Court Stays And How To Procedurally Reach Available Insurance Coverage Of The Bankruptcy Debtor.  Ins. Lit. Rptr., Vol. 29, No. 21 (December 15, 2007)
  285. Directors And Officers Entitlement To D&O Policy Benefits When The Corporation They Served Files Bankruptcy. Ins. Lit. Rptr., Vol. 29, No. 20 (December 1, 2007)
  286. Attorney’s Fees And Declaratory Judgment Actions In Arizona. DRI National State-by-State Compendium Regarding the Awardability of Attorney’s Fees in Declaratory Judgment Actions (December 2007)
  287. A Survey Of Professional Liability Coverage For Claims Brought Under The Federal False Claims Act.  Ins. Lit. Rptr., Vol. 29, No. 17 (October 5, 2007)
  288. A Developing Body Of Law:  Daubert And The Insurance Bad Faith Expert. In-House Defense Quarterly, Vol. 2, No. 3 (Summer 2007)
  289. Colossus Under Attack:  The Legal Efficacy Of Computerized Evaluation Of Bodily Injury Claims. Ins. Lit. Rptr., Vol. 29, No. 8 (May 22, 2007)
  290. Bad Faith Cases: A General Overview Of The Advice Of Counsel Defense. In-House Defense Quarterly, Vol. 2, No. 2 (Spring 2007)
  291. Claims For Embezzlement Of Client Funds. DRI For The Defense, Vol. 49, No. 3 (March 2007)
  292. Regulating Insurance Company Claim Handling Practices: Rethinking The Unthinkable (Abandonment of the Common Law Tort of Bad Faith).  Ins. Lit. Rptr., Vol. 29, No. 1 (January 25, 2007)
  293. Discipline Without Assumptions? A Systematic Approach To Coverage Analysis. In-House Defense Quarterly, Vol. 2, No.1 (Winter 2006)
  294. A Methodical Approach To Analyzing The Application Of The Absolute Pollution Exclusion. Ins. Lit. Rptr., Vol. 28, No. 19 (November 1, 2006)
  295. Medical Payments Coverage: A Policy Inside A Policy. Ins. Lit. Rptr., Vol. 28, No. 14 (August 23, 2006)
  296. Building A General Understanding Of Directors & Officers Insurance Policy Architecture.  DRI For the Defense, Vol. 48, No. 5 (May 2006)
  297. All Things Being Considered Equal:  Third Party Bad Faith In Arizona.  Arizona Attorney, Vol. 27, No. 6 (1991)
  298. Darner’s Neglected Tenant: Abandonment Of Ambiguity Doctrine.  Arizona Attorney, Vol. 27, No. 4 (1990)
  299. Does Your Insurance Stack Up? Multiple Coverage Problems And The Standard Automobile Liability Insurance Policy. Arizona Attorney, Vol. 26, No. 5 (1990)
  300. Guaranteeing Personal Injury Recoveries:  A Practical Guide To Arizona’s Property And Casualty Insurance Guaranty Fund. Arizona Attorney, Vol. 26, No. 2 (1989)
  301. Insuring Against An Evil Mind:  Punitive Damages Awards And The Uninsured And Underinsured Motorist. Arizona Attorney, Vol. 25, No. 9 (1989)
  302. Let’s Make A Deal:  A Requiem for Reservation Of Rights Defenses In Arizona.  Arizona Bar Journal, Vol. 23, No. 6 (1988)
  303. When Is A Standardized Insurance Contract Binding:  The Development Of The Reasonable Expectation Doctrine In Arizona. Arizona Bar Journal, Vol. 23, No. 5 (1988)
  304. The Mode Of Operation Rule:  A Slippery Issue For The Arizona Trial Bar. Arizona Bar Journal, Vol. 21, No. 4 (1986) (republished by West Publishing Company, Westlaw National Text and Periodicals —Torts Database, 1986)

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