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Allocation of Defense Costs When There are Uninsured Periods: Yet Another Confusing Aspect of Asbestos and Other Insidious Disease Litigation

机译:没有保险期时的国防费用分配:石棉和其他潜伏性疾病诉讼的另一个令人困惑的方面

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摘要

When there are uninsured and insured years addressed in a suit for delayed manifestation injuries, the entire cost of defense should be borne by the insurers regardless of the controlling indemnification trigger theory. As shown, both the broad duty to indemnify and the case law supports such a result. Moreover, if there is still any doubt or ambiguity regarding this solution to the defense cost issue, the lack of clarity should be decided against the insurance company. It is a common concept of insurance policy interpretation that ambiguities are to be liberally construed in favor of the insured.
机译:如果在延误表现伤害的诉讼中有未保险的年份和被保险的年份,则保险公司应承担全部辩护费用,而不管控制性赔偿触发理论如何。如图所示,赔偿的广泛责任和判例法都支持这种结果。此外,如果对于这种国防成本问题的解决方案仍然存在疑问或模棱两可,则应针对保险公司做出缺乏明确性的决定。保险单解释的一个普遍概念是,应宽泛地解释歧义以有利于被保险人。

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