--- title: Insurance - Coverage description: Advocate Magazine articles on Insurance - Coverage, from the Subject Matter Index. --- [![Handling the wild-fire insurance claim prior to litigation](https://www.advocatemagazine.com/media/zoo/images/Miller_istock-1077503082_2d482abfb6f3830596d5940655280f2d.jpg)](https://www.advocatemagazine.com/issues/2019-march/handling-the-wild-fire-insurance-claim-prior-to-litigation "Handling the wild-fire insurance claim prior to litigation") ## [Handling the wild-fire insurance claim prior to litigation](https://www.advocatemagazine.com/issues/2019-march/handling-the-wild-fire-insurance-claim-prior-to-litigation "Handling the wild-fire insurance claim prior to litigation") A guide to the process and pitfalls in handling a major fire-damage claim, and using the Insurance Code to your client’s advantage [Charles Miller](https://www.advocatemagazine.com/authors/charles-miller "Charles Miller") From Issue: [2019 March](https://www.advocatemagazine.com/issues/2019-march) [![Insurance coverage in a “me too” world](https://www.advocatemagazine.com/media/zoo/images/Pasich-istock-930669432_554e4b65d8adddc4d927d52ec4ebe54a.jpg)](https://www.advocatemagazine.com/issues/2018-september/insurance-coverage-in-a-me-too-world "Insurance coverage in a “me too” world") ## [Insurance coverage in a “me too” world](https://www.advocatemagazine.com/issues/2018-september/insurance-coverage-in-a-me-too-world "Insurance coverage in a “me too” world") Finding coverage for sexual molestation or assault often depends on ambiguity in the insurance Policy [Kirk Pasich](https://www.advocatemagazine.com/authors/kirk-pasich "Kirk Pasich") From Issue: [2018 September](https://www.advocatemagazine.com/issues/2018-september) [![Illusory coverage](https://www.advocatemagazine.com/media/zoo/images/Illusory-iStock-500540815_7f273034bde43f08eb771eb095d534d6.jpg)](https://www.advocatemagazine.com/issues/2018-april/illusory-coverage "Illusory coverage") ## [Illusory coverage](https://www.advocatemagazine.com/issues/2018-april/illusory-coverage "Illusory coverage") The homeowner’s or business policy may include “personal injury” coverage. Exactly what does that include, and is it illusory coverage? [Demian Oksenendler](https://www.advocatemagazine.com/authors/demian-oksenendler "Demian Oksenendler") [Gerry Mannion](https://www.advocatemagazine.com/authors/gerry-mannion "Gerry Mannion") [Wesley Lowe](https://www.advocatemagazine.com/authors/wesley-lowe "Wesley Lowe") From Issue: [2018 April](https://www.advocatemagazine.com/issues/2018-april) [![[[case]]Demer[[/case]]’s paradigm for assessing biased insurance experts](https://www.advocatemagazine.com/media/zoo/images/Dion-istock-2136187857_e17ac664013b003c2e0a90d92d01401b.jpg)](https://www.advocatemagazine.com/issues/2024-july/case-demer-case-s-paradigm-for-assessing-biased-insurance-experts "[[case]]Demer[[/case]]’s paradigm for assessing biased insurance experts") ## [[[case]]Demer[[/case]]’s paradigm for assessing biased insurance experts](https://www.advocatemagazine.com/issues/2024-july/case-demer-case-s-paradigm-for-assessing-biased-insurance-experts "[[case]]Demer[[/case]]’s paradigm for assessing biased insurance experts") [[case]]Demer[[/case]] provides a well-developed roadmap for courts and practitioners to eliminate expert bias in disputes over insurance coverage [Christopher Dion](https://www.advocatemagazine.com/authors/christopher-dion "Christopher Dion") From Issue: [2024 July](https://www.advocatemagazine.com/issues/2024-july) ## [The other tripartite relationship](https://www.advocatemagazine.com/issues/2017-september/the-other-tripartite-relationship "The other tripartite relationship") When a carrier agrees to defend under reservation of rights: Rule 3-310 [Steven W. Murray](https://www.advocatemagazine.com/authors/steven-w-murray "Steven W. Murray") From Issue: [2017 September](https://www.advocatemagazine.com/issues/2017-september) ## [Recovering damages for emotional distress for breach of an insurance contract](https://www.advocatemagazine.com/issues/2024-october/recovering-damages-for-emotional-distress-for-breach-of-an-insurance-contract "Recovering damages for emotional distress for breach of an insurance contract") A liability policy is a contract that concerns directly the comfort, happiness, or personal welfare of one of the parties [Michael L. Cohen](https://www.advocatemagazine.com/authors/michael-l-cohen "Michael L. Cohen") From Issue: [2024 October](https://www.advocatemagazine.com/issues/2024-october) [![“We meant it when we said it”](https://www.advocatemagazine.com/media/zoo/images/Ehrlich-istock-1011906290_ab94bc199e0372faf59720cae4e35e3f.jpg)](https://www.advocatemagazine.com/issues/2018-september/we-meant-it-when-we-said-it "“We meant it when we said it”") ## [“We meant it when we said it”](https://www.advocatemagazine.com/issues/2018-september/we-meant-it-when-we-said-it "“We meant it when we said it”") In [[case]]Liberty Surplus v. Ledesma & Meyer Construction Co.[[/case]], the California Supreme Court reaffirms that an “accident” can be the unintended consequence of the insured’s deliberate acts [Jeffrey I. Ehrlich](https://www.advocatemagazine.com/authors/jeffrey-i-ehrlich "Jeffrey I. Ehrlich") From Issue: [2018 September](https://www.advocatemagazine.com/issues/2018-september) [![Homeowner’s insurers are prohibited from communicating misleading replacement-cost estimates](https://www.advocatemagazine.com/media/zoo/images/Echeverria-istock-868955666_b9f63075deac179ef0b5745798f2b513.jpg)](https://www.advocatemagazine.com/issues/2018-september/homeowner-s-insurers-are-prohibited-from-communicating-misleading-replacement-cost-estimates "Homeowner’s insurers are prohibited from communicating misleading replacement-cost estimates") ## [Homeowner’s insurers are prohibited from communicating misleading replacement-cost estimates](https://www.advocatemagazine.com/issues/2018-september/homeowner-s-insurers-are-prohibited-from-communicating-misleading-replacement-cost-estimates "Homeowner’s insurers are prohibited from communicating misleading replacement-cost estimates") Misleading estimates qualify as a misleading statement under the Insurance Code [Ricardo Echeverria](https://www.advocatemagazine.com/authors/ricardo-echeverria "Ricardo Echeverria") [Steven M. Schuetze](https://www.advocatemagazine.com/authors/steven-m-schuetze "Steven M. Schuetze") From Issue: [2018 September](https://www.advocatemagazine.com/issues/2018-september) [![Airb ‘n’ beware](https://www.advocatemagazine.com/media/zoo/images/Etemadi-istock-517702502-1_5a4e48e4dd8800949bcb58e0a6d937e8.jpg)](https://www.advocatemagazine.com/issues/2017-november/airb-n-beware "Airb ‘n’ beware") ## [Airb ‘n’ beware](https://www.advocatemagazine.com/issues/2017-november/airb-n-beware "Airb ‘n’ beware") Don’t let Airbnb eat you for breakfast: a look at the liability insurance for Airbnb hosts and the legal perils of short-term rentals [Sophie Etemadi](https://www.advocatemagazine.com/authors/sophie-etemadi "Sophie Etemadi") From Issue: [2017 November](https://www.advocatemagazine.com/issues/2017-november) ## [Understanding and handling long-term disability liens](https://www.advocatemagazine.com/issues/2026-march/understanding-and-handling-long-term-disability-liens "Understanding and handling long-term disability liens") LTD insurers’ liens against third-party recoveries most often result from “other income” provisions in the insurance policies [Donald de Camara](https://www.advocatemagazine.com/authors/donald-de-camara "Donald de Camara") From Issue: [2026 March](https://www.advocatemagazine.com/issues/2026-march) ## [Reformation of an insurance policy](https://www.advocatemagazine.com/issues/2017-september/reformation-of-an-insurance-policy "Reformation of an insurance policy") Reformation is an equitable remedy that is available when the policy does not express the parties’ real agreement [James R. Kristy](https://www.advocatemagazine.com/authors/james-r-kristy "James R. Kristy") From Issue: [2017 September](https://www.advocatemagazine.com/issues/2017-september) [![Putting the employer on the hook in an auto case](https://www.advocatemagazine.com/media/zoo/images/Sullivan_istock-1284854496_77bde6fed1ef1b98c8ce5beb1eeb1102.jpg)](https://www.advocatemagazine.com/issues/2021-june/putting-the-employer-on-the-hook-in-an-auto-case "Putting the employer on the hook in an auto case") ## [Putting the employer on the hook in an auto case](https://www.advocatemagazine.com/issues/2021-june/putting-the-employer-on-the-hook-in-an-auto-case "Putting the employer on the hook in an auto case") Finding the commercial policy and opening it up with vicarious liability imputed to the employer through course-and-scope issues [Gene Sullivan](https://www.advocatemagazine.com/authors/gene-sullivan "Gene Sullivan") From Issue: [2021 June](https://www.advocatemagazine.com/issues/2021-june)