Faltersack v. Vanden Boogaard

The question presented here is what effect the “other insurance” clause in each policy has on the ultimate liability, if any, for damages. Each company concedes that in the absence of the other’s policy it would provide coverage for the injuries sustained by Faltersaek.

Iowa National’s position is that its “escape” clause was unambiguously drawn to exclude coverage in instances where another policy provides coverage, whether by its terms the other policy is limited to excess coverage or not.

Integrity contends that its policy is not “other insurance” within the meaning of the Iowa National…