Our client’s business was sued along with one of his delivery drivers because of an automobile accident. The business thought it had secured $100,000 liability coverage for this type of event. The insurance company took the position that the driver was not authorized under the policy. If correct, this would reduce available coverage to $15,000 and expose the business to financial hardship. We responded to the insurance company’s Complaint and added our client’s insurance agency as a defendant. We retained an expert who produced an expert report alleging liability on the part of the agency for failing to add the driver at our client’s request years before the accident. We were able to arrange a conference with the court where we settled the underlying claim of the injured party with contributions from the original insurance company, the agency’s insurance and a small contribution from our client. This saved the unknown result of a trial and greatly reduced the attorney’s fees which would have accumulated regardless of the outcome.
