City of Laguna Beach excess insurance policies 409

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City of Laguna Beach v California Ins. Guarantee Assn. 182 Cal.App.4th 711 (2010) (2/2) City had two excess insurance policies during employee’s cumulative-injury period.  Policy #1 excluded risk;only policy #2 applied.San-Diego-Auto-Accident-lawyer.com Ins Co. #2 went insolvent.  [1] Detailed statutory analysis, Ins. C § 1603.1(c) (13).  CIGA not required to cover where “other insurance” available, here the city’s self-insurance during period #1.  [2] Statutes v common law: unless expressly provided , statutes should not be interpreted to alter the common law, and should be construed to avoid conflict with a common law rule.  San Diego personal injury attorney.

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