Choice of Law Admission of Extrinsic Evidence Insurer Allocation Pre-Tender FeesStatute of Limitations
Most significant relationship testFacts known, knowable, or available to the insurerOnly if apportionment is very clearRecoverable3 years
American Nat’l Fire Ins. Co. v. Farmers Ins. Exch., 927 P.2d 186, 190 (Utah 1996)Deseret Federal Sav. & Loan Ass’n v. USF&G Co., 714 P.2d 1143, 1147 (Utah 1986) (“The duty to defend is broader than the duty to indemnify … and arises whenever the insurer ascertains facts which give rise to the potential of liability under the policy. Gray v. Zurich Ins. Co., 65 Cal.2d 263, 275–77 (1966).”). The potential of liability extends to allegations that could be pled in an amended complaint. (Gray v. Zurich Ins. Co., 65 Cal. 2d 263, 277, 419 P.2d 168 (1966) (“[D]espite Jones' pleading of intentional and wilful conduct, he could have amended his complaint to allege merely negligent conduct…[t]hus…we find, upon proper measurement of the third party action against the insurer's liability to indemnify, it should have defended because the loss could have fallen within that liability.”))
Summerhaze Co., L.C. v. FDIC, 2014 UT 28 at *P36 (2014)
Overthrust Constructors, Inc. v. Home Ins. Co., 676 F. Supp. 1086, 1091 (D. Utah 1987)State Farm Mutual Auto. Ins. Co. v. Green, 89 P.3d 97, 104 (Utah 2003)(Utah Code Ann. § 31A-21-313 (1953))
Pre-Judgment Interest Late Notice Public Policy Bar Independent CounselAtty's Fees/Decl. Relief Action
10%Notice-prejudiceNot AddressedMay choose own counselRecoverable
(Utah Code Ann. § 15-1-1 (1953))Quaker State Minit-Lube v. Fireman's Fund Ins. Co., 868 F. Supp. 1278, 1334 (D. Utah 1994)Chatterton v. Walker, 938 P.2d 255, 261 (Utah 1997)Sharon Steel Corp. v. Aetna Cas. & Sur. Co, 931 P.2d 127, 139 (Utah 1997)