We begin with three state supreme court decisions answering these questions:
• A year before an insured bought its claims-made policy it received an attorney’s letter threatening mass tort litigation. The first suits were filed when the claims-made policy was in effect. Is the claims-made policy triggered? The Delaware Supreme Court decides if the letter stated a “claim for damages.”
• A patron trips and falls in an auto shop after bringing her car in for an oil change. Is she entitled to PIP benefits under Michigan’s no-fault law?
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