- Joined
- Jun 6, 2013
A lot of Midwestern states impose a duty to defend on insurance companies for anything that is even arguably coverable, my state basacially does. I would expect MN to based on how pro-consumer they usually are. I'd anticipate a defense under a reservation of rights to deny coverage.Insurance companies generally raise this issue before they outright front you money for a libel defense. If it was at worst negligence they usually do pay out, but if you're some retard screaming "I DARE YOU I DOUBLE DOG DARE YOU SUE ME YOU PUNK BITCH" they will probably say lmao no.
There are also different levels of coverage, where, for instance, you have to front the money for your own defense, then put in a claim after you win (or lose depending on the policy), and they indemnify you afterwards. The preferable (and generally more costly) option is they actually put on a defense for you and cover any damages. Generally in the latter case, they have some degree of control over how the defense goes and can back out if you refuse a reasonable settlement.
Like you said thought, the insurance company would get a large amount of control and probably have a right to settle it. But, it also would only cost a deductible and not require an illconceived grift, scam, glow.
Some coverage, um issues, could obviously arise from the "sue me, you pedophile" rant.
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