Insurance Coverage For Blast Faxes
The past few months have seen an explosion in the number of lawsuits filed under the Telephone Consumer Protection Act, a federal statute that prohibits transmittal of unsolicited advertisements by fax without first obtaining the prior express invitation or permission of the recipient. These lawsuits ' particularly when filed as class actions ' expose defendants to substantial defense costs and the potential for large liabilities. <br>These TCPA lawsuits cases are, in turn, spawning disputes between TCPA defendants and commercial general liability (CGL) insurers as to whether policyholders are entitled to a defense and/or indemnity for TCPA claims under standard-form CGL policy. This article briefly explores these insurance coverage issues. It concludes that, given recent case law, policyholders have a strong chance of recovering their defense costs and any settlements or judgments in TCPA lawsuits.
Changes in International Civil Justice Law: The Gathering Storm
Europe's approach to civil liability law and litigation is changing. As part of the European Union's (EU) move toward a common economic culture, virtually every aspect of EU civil justice law and procedure is under review. Thus far, the laws governing product safety and commercial dealings between businesses and consumers have begun tilting toward greater liability for businesses. Whether it is strict product liability, class actions, lawyer advertising, or variations on the contingent fee, many of these changes have been seen in the United States and are starting to migrate across the Atlantic.
Practice Tip: Arguing Design 'Defect' Under Strict Liability or Warranty
Defect" in product liability law has two roots: from breach of warranty actions under contract law and from negligence under tort law. In early products liability cases, courts relied upon an implied warranty to permit recovery for personal injuries arising from defective goods. However, that cause of action required privity between the seller and the injured consumer, which could not always be satisfied. This led to the development of the strict liability doctrine in tort law, where privity was not required. Strict liability in tort remedies no longer needs to rely on a contractually based breach of implied warranty to compensate injured plaintiffs.
Case Notes
Highlights of the latest product liability cases from around the country.
Considerations When Disseminating Off-Label Information
How is the dissemination of information regarding an unapproved indication for an approved drug or medical device like speeding on the highway? You might not get caught, but it can be dangerous and it might land you in court.
Leasing Industry Closes 2003 with Positive Signs
After three consecutive quarters of failing to show any portfolio growth, the equipment leasing industry came through at year's end to close 2003 with only a slight net loss in portfolio size. According to the Equipment Leasing Association's Quarterly Performance Indicators Report (PIR), total net portfolio growth decreased by a total of only 0.4% in 2003. While 2003 marked the second consecutive year in which the leasing industry failed to recognize any net portfolio growth for a calendar year, based on how 2003 was shaping up after the third quarter, the modest overall drop-off was not such bad news. In fact, 2003 was not as bad a year for the leasing industry as one might have expected given the many challenges that have been presented over the past few years. New business volume and credit approvals were up, and charge-offs and actual delinquencies were down. Employment remains a concern, but overall, it appears that the leasing industry is weathering the storm.
