National Casualty Co. v. Preferred Ambulance, Inc., No. 10-41012 (5th Cir. 2012)
Annotate this CaseTwo insurers disputed whether their respective insurance policies required them to defend the insured against allegations regarding an accidental death. Both insurers sought a declaratory judgment from the district court that their policies did not cover the underlying lawsuit. Alma Batie, daughter of Darline Rigsby, sued Preferred Ambulance in Texas state court on behalf of herself and as a representative of Rigsby's estate (the underlying lawsuit). After the district court ruled that each insurer must provide primary coverage for the accident, both insurers appealed. The court held that, for purposes of defining the scope of each insurer's duty to defendant, both Western World and National Casualty must provide primary coverage of the underlying lawsuit. Neither the exclusions in their respective policies nor the "other insurance" provision in the Western World policy limited either insurer's duty to defendant. Accordingly, to the extent that National Casualty had paid more than half of the defense costs in the underlying lawsuit to this point, it was entitled to contribution from Western World.
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