If you recall the old Flip Wilson TV show, he had a recurring sketch with the theme "The devil made me do it!" In the routine, his alter-ego, Geraldine, would get into trouble, then disclaim responsibility, blaming it on the devil. Too often, this happens in our business when liability is denied by the carrier. In this article, we'll take a look at a claim where there was clearly coverage under the policy...however, the carrier denied the claim, taking the position that the insured was not liable.

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