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Case Briefs
Highlights of the latest insurance cases from around the country.
The Law of Custom and Usage Evidence in Insurance and Reinsurance Contracts
Reinsurance and insurance contracts would be thousands of pages long if they explicitly defined every possible term, however mundane, or if they anticipated every possible contingency, however remote. Fortunately, (or perhaps unfortunately) for the drafters of these contracts, the U.S. legal system typically employs a more streamlined model. That is, parties commit to an agreement with the understanding that courts and other adjudicatory bodies may play a role in filling in contractual "gaps" and giving meaning to indefinite or indeterminate contractual terms. <i>Cf. Phelps Dodge Corp. v. Schumacher Elec. Corp.</i>, 2005 U.S. App. LEXIS 14318 (7th Cir. 2005). Although there are a number of methods by which a court can interpret a contract, the importation of custom and usage evidence plays a special role in illuminating insurance and reinsurance contracts. This article explores whether and when courts will admit such evidence, and it divides into three sections: First, the article explains the rules that courts will employ when they determine whether and when to admit custom and usage evidence; second, it considers the effect of integration clauses on the possible importation of custom and usage evidence; and, third, it provides several practical suggestions for a party seeking to import custom and usage evidence.
Challenging Insurers' Efforts to Obtain Insureds' Privileged Communications
Insureds embroiled in litigation with underlying claimants frequently are confronted with demands from their insurers that can place their litigation position at risk. One issue that often arises is whether an insured must and should provide requested privileged materials to its insurer in connection with the insurer's coverage investigation or in coverage litigation. Where the insurer has accepted the insured's defense of litigation and thus its interests appear to be aligned with the insured in a successful resolution of the underlying matter, the insured may have difficulty in refusing to provide certain materials. However, as is often the case, 1) an insurer will reserve rights and then seek all information relevant to the underlying matter, regardless of its privileged status, or 2) deny coverage and seek that information in the context of coverage litigation. Insureds should be aware of possible risks that can be created if they comply with requests for privileged information, and that despite the insurers' claims of a "common interest" or that the privileged information is "at issue," significant case law protects these materials from production.
The MLF 50: Highlights
The MLF 50 ' The Top 50 Law Firms in Marketing and Communications appeared in a special September/October issue of MLF. Here are some of the highlights of that issue, including mention of the top five firms.
The Best of MLF 2005: Looking Back at the 'Benchmark' Year
Well, it's been an exciting year here at <i>Marketing the Law Firm</i>. As with past practice, this month's issue will be a look back at the year that was. In this issue we will present February (the January issue recaps part of 2004) through July.
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Using Client Profiles for Future Case Management
After a rigorous search, which involved input from key firm personnel including our IT director, paralegals, attorneys, senior managing partners, and the Chief Operating Officer, we selected Client Profiles as our case management solution. Since the selection, we have been able to revolutionize the way our users access, share and update information related to all cases and matters; have seen firm-wide adoption of 100%, and are realizing numerous technology-related cost savings and productivity enhancements.
Investigative Discovery: Using Technology to Build Case Strategy
During a recent assignment, we were asked to assist a client in evaluating potential litigation involving conspiracy and fraud claims arising out of a complex multi-party transaction. For the task, the client arranged for us to have access to approximately 35 gigabytes of e-mail data restored from a critical time period. With the equivalent of approximately 2 million pages needing review, we immediately faced two contradictory challenges. First, how to effectively review a large body of data in a short time while keeping staffing tight and costs down. Second, and equally important, how to leverage our existing knowledge of the issues to identify and drill down deep into significant documents, test our legal theories and strengthen the strategic recommendation our client was seeking.
Merging Firms, Merging Information
For many firms there are significant advantages to increased scale. Broader geographical coverage and increased expertise enable firms to provide a more complete offering to their large clients, who operate in an increasingly global world. Given the sometimes difficult task of opening new offices and the competition amongst firms for partners, many firms choose to grow through merging.
Features
<b>Practice Tip:</b> Find Wireless Nirvana in a 3G Network
The term "3G" proclaims the next revolution in wireless technology. It refers to the much-ballyhooed third generation cellular network services, currently available in the United States from Verizon, Sprint and Cingular. But after all the hype, is 3G living up to its broadband promise?
Big Win For ERISA Plaintiffs
In an important win for plaintiffs in ERISA cases, the Third U.S. Circuit Court of Appeals has ruled that the "doctrine of ratification" cannot be used to justify retroactive application of a change to a pension plan if it would have the effect of reducing a worker's accrued benefits.
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