Description
Prepare a memorandum of no less than three pages and no more than five pages to "file" addressing the following:
oA summary of the relevant facts for purposes of coverage determination.
oA discussion of all insurable losses sustained regardless of whether the loss is covered by the policy
oA determination of whether each loss is covered by the policy including an application of the relevant facts to the relevant policy provisions that justify the determination (don't forget to consider exclusions and conditions)
oA determination of whether there is a duty to defend under the policy including an application of the relevant facts to the relevant policy provisions that justify the determination (don't forget to consider exclusions and conditions)
Fact pattern is attached
State is MN
Reference page is required
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Explanation & Answer
Attached.
Running head: INSURANCE COVERAGE ANALYSIS
Memorandum; Insurance Coverage Analysis
Name of Student:
Institute of Affiliation:
1
INSURANCE COVERAGE ANALYSIS
2
MEMORANDUM
Date: 1st May 2014
To: Autoking Insurance Company
From: Paralegal for the Claims Department, Autoking Insurance Company
Subject: INSURANCE COVERAGE ANALYSIS
Reference is hereby made to the new claims case filed by Jane Cartwright. Autoking
Insurance Company is a reputable firm that provides insurance cover to vehicles and their
owners in case an accident has occurred. With regards to the claim filed by Jane Cartwright,
important facts and information on key issues related to the case have been provided in this
memo. The main talking points are as follows: relevant facts related to the accident and the
insurance policy, facts related to the insurable losses covered by the company as well as the
determination of whether the losses incurred by Jane Cartwright and other parties involved in the
accident are covered.
Relevant Facts on the Insurance Policy
The standard insurance policy offered by Autoking Insurance Company is the occurrence
policy. Under the occurrence policy, an insurance company only provides cover for any form of
damage to the vehicle un...