Umbrella Policy Defense Coverage

Summary

In Texas, umbrella policies may cover defamation claims if they fall within the policy period. Undated claims might be covered, but claims before the policy start are likely not. Insurance companies typically defend the entire case if any claims fall within coverage. Consult your insurer or a local attorney for specific advice.

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Someone sued me for defamation. The claims aren't dated, but my umbrella policy started four months before their claim. Some claims are dated before the start of the policy, others don't have a date. In Texas, is it likely that my umbrella policy will defend me considering that I am one of five defendants and the case started recently?
Hey ****! In Texas, whether your umbrella policy will defend you depends on the specific terms of your policy. Generally:
- Policies may not cover events that occurred before the policy start date.
- Undated claims might be covered if they fall within the policy period.
- Review your policy's terms and consult your insurer.
Would you like more detailed assistance or to connect with a local lawyer?
the policy says it will defend defamation. I'm wondering if they have a duty to defend under these circumstances.
In Texas, insurance companies typically have a duty to defend if the claims potentially fall within the policy coverage. Since your policy covers defamation:
- If claims are undated but potentially within the policy, they might defend.
- For claims before the policy start, likely not covered.
Would you like to connect with a local lawyer for more specific advice?
but if they defend they would have to defend the entire case right?
Case Rating: *
In Texas, if your insurance company agrees to defend you under your policy, they typically defend the entire case, covering all claims that potentially fall within the policy's coverage. It's crucial to consult your insurance provider or a legal professional for specific guidance on your case. Would you like more detailed assistance or to connect with a local lawyer?