Provident Life & Accident Insurance Co. v. Knott

In this insurance coverage dispute, we construe the definition of total disability found in two insurance policies. Interpreting the policies as they are written, we hold that an insured is totally disabled when he is unable to perform all of the important and usual duties of his occupation. Because the insured in this case was able to perform some of the important and usual duties of his occupation as a physician, he was not totally disabled under the policies’ terms. We also conclude that the insured’s extra-contractual claims are barred by limitations. The trial court was correct in…