A physician was sued for defamation and interference with business relations. The physician had liability insurance policies with two different insurers: Physicians Liability and American National. The doctor reported the lawsuit to both insurers.

Physicians Liability agreed to defend the lawsuit, but American National refused to provide a defense or participate in the cost of

Bubba came by for an appointment to discuss his fire loss claim. It was one of those meetings that wasn’t on my calendar; he just stopped by “to see how things were goin'”.

When I told Bubba we needed to submit his receipts for ALE, he quietly spelled “a-l-e” to himself and suddenly asked, “you