High Country Paving, Inc. v. United Fire & Casualty Co.
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The Supreme Court answered in the affirmative a certified question issued by the United States Court of Appeals for the Ninth Circuit in this insurance dispute.
At issue was Mont. Code Ann. 33-15-334(2), which provides that Mont. Code Ann. 33-15-337(2) is "not intended to increase the risk assumed under policies subject to" its requirements. Specifically in question was whether, when an insurance policy does not adhere to the technical requirements of Mont. Code Ann. 33-15-337(2), the insurer may nonetheless rely on unambiguous exclusions or limitations to the policy's coverage. The Supreme Court answered the question in the affirmative, concluding that, notwithstanding a failure to follow the provisions of section 33-15-337(2), an insurer may rely on unambiguous exclusions or limitations to the policy's coverage when invalidating such a provision would result in an increase of the risk assumed.
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