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...the insurer thinks there might be grounds to deny coverage for at least part o...urer is reserving rights on specious grounds, consider a suit rooted in breach...

... exclusion does not apply to "bodily injury" resulting from the use of reasonable force by an "insured" to protect persons or property. The exception now includes coverage not only for "bodily injury" in such a case, but "property damage" as well. • &# 160Controlled Substance The liability exclusion for loss resulting from the use, sale, manufacture, delivery, transfer, or possession of a controlled substance had an exception for the legitimate use of prescription drugs by a person following the orders of a licensed ... vehicle exclusion does not apply off premises for a vehicle "designed as a toy vehicle for use by children under seven years of age, powered by one or more batteries and not built or modified after manufacture to exceed a speed of five miles per hour on level ground" . So, thankfully, now extends coverage to these toys - unless Dad "soups it up" to go more than five miles per hour! • &# 160Expected or Intended Injury The exclusion for Expected or Intended injury in the previous policy has an ... of the changes do not affect coverage, but clarify policy wording. Those include the definition of "insured", the deductible provision and the "perils insured against" wording. In addition, some recent court decisions influenced changes in the areas of Collapse Coverage and Water Damage. These policy provisions have added wording to communicate the intent of the coverage more clearly and to eliminate any ambiguity. Here are some other changes: Changes that Reduce Coverage • &# 160Personal Property Located in Self-storage Facilities There's a 10% limit for personal ...