The general understanding among attorneys and insurance professionals is that a general liability (or CGL) policy's "auto" exclusion does just what it says, excludes coverage when an auto is involved. As litigation becomes more complex and more parties are brought into a case, even parties only tangentially related to the actual accident, closer analysis of the exclusion's language is necessary. The auto exclusion in many policies actually contains limiting language that can result in coverage under a CGL policy, even where an auto is involved.
Premises Liability: Important Differences between Business Owners and Out-of-Possession Landlords
Georgia's primary premises liability statute is O.C.G.A. § 51-3-1, which requires the "owner or occupier" of land to keep his premises and approaches safe for those he "induces or leads" to come onto the property. These people are termed "invitees" and they are entitled to certain protections. In Georgia, our seminal case controlling the duties of a landlord is Robinson v. Kroger, 222 Ga. App. 711, 476 S.E.2d 29 (1996).
Most lawyers are very familiar with owner/occupier liability and the so-called "premises liability statute." O.C.G.A. § 51-3-1 is typically the first statute cited in any Complaint involving an individual who is injured on a premises. However, not all premises owners are created alike.
Driver Qualification File and Driver Investigation History File
The Federal Motor Carrier Safety Regulations require motor carriers to maintain various records regarding each driver it employs. The most common request in litigation concerns the truck driver's driver qualification file and personnel file. Often times, disagreements occur over which documents are contained in motor carrier files as motor carriers can maintain more than one file regarding the driver. Below are the specific requirements which the Federal Motor Carrier Safety Regulations impose upon motor carriers:
§391.51 General Requirements for Driver Qualification Files
(a) Each motor carrier shall maintain a driver qualification file for each driver it employs. A driver's qualification file may be combined with his/her personnel file
Can a Corporation or LLC Suffer Emotional Distress under Georgia Law?
The answer, perhaps unsurprisingly, is "no." What is surprising is that the law in Georgia was unsettled until October 2017. In Osprey Cove Real Estate, LLC v. Towerview Construction, LLC, 2017 WL 4856319, *3, ___ S.E.2d ___ (Ga. Ct. App., October 27, 2017), as a matter of first impression, the Georgia Court of Appeals adopted what appears to be the majority view that "business entities [...] cannot recover on claims of intentional or negligent infliction of emotional distress as a matter of law because [they] lack the cognizant ability to experience emotions."
Do You Have It Covered? - Handling Policy Limits Demands for Less than All Claimants Releasing Less than All Insureds
It's 4:45 on Friday afternoon. You're going to finish up one last claim note and sprint out of the office toward your weekend with no further thoughts of claims until the 10:00 p.m. Sunday-evening-dread sets in. You are seconds away from hitting "Enter" on your claim note when it happens - ANOTHER email. You recognize the file number from the subject line right away. (That can't be good) It's the one with all of the insureds (three of them) and all of the plaintiffs (four of them). Yikes.
Commercial Truck Driver Has Duty To Inspect Cargo Loaded By Shipper
If a shipper negligently loads a trailer with cargo, is the shipper liable to a commercial truck driver injured as a result of the shipper's failure to properly secure the load? The Federal Motor Carrier Safety Regulations explains, in part, that after cargo is loaded, a commercial driver has a duty to inspect, properly distribute, and secure it:
(a) General. A driver may not operate a commercial motor vehicle and a motor carrier may not require or permit a driver to operate a commercial motor vehicle unless-
(1) The commercial motor vehicle's cargo is properly distributed and adequately secured ....
New Ruling from Florida's Supreme Court Chips Away at Scope of Carmack Preemption
The Florida Supreme Court recently adopted a new standard for determining whether a state or common law claim against an interstate cargo carrier is preempted by the Carmack Amendment, 49 U.S.C. § 11706, et seq. In Mlinar v. United Parcel Serv., Inc., 186 So. 3d 997 (Fla. 2016), the court was tasked with determining whether Ivana Mlinar, a well-known oil painter, could bring claims against UPS for conversion, profiting by criminal activity, unauthorized publication of name or likeness, and violations of Florida's Deceptive and unfair Trade Practices Act.
Post-Accident Drug and Alcohol Testing of Truck Drivers
Contrary to popular belief, the Federal Motor Carrier Safety Regulations do not require post-accident drug and alcohol testing of commercial motor vehicle drivers in all instances. If the driver does not receive a citation, no testing is required unless a fatality results from the accident. Even if the driver is cited, no testing is required unless a vehicle must be towed from the scene or someone requires immediate medical treatment away from the scene.
