Quick referenceΒΆ
Domain guide
One row per theory. Use it when a claim is in front of you and you need the roster role, the facts and the common defeat in ten seconds.
| Theory | LOB | Roster role | Facts that establish it | Common defeat | Channel |
|---|---|---|---|---|---|
| At-fault third-party driver | Auto | other_driver |
official determination, statement, or witness | comparative bar; fault to insured; party unknown | arbitration or direct demand |
| Respondeat superior | Auto | employer |
employee relationship plus trip purpose or assignment | independent contractor; frolic | demand letter |
| Negligent entrustment | Auto | vehicle_owner |
owner knowledge plus licence, condition, or history | no distinct owner | demand letter |
| Fleet negligence | Auto | employer or motor_carrier |
a fleet-specific operational fact | employment defenses | demand letter |
| Product liability | Auto | manufacturer |
defect indicated, failure described, sequence stated | spoliation; repose | suit |
| Governmental vehicle | Auto | government_entity |
(held until notice obligations curated) | immunity; notice deadline | governmental claim |
| Contractor negligence | Property | contractor |
work performed (any_of); completion timing and attribution corroborate | waiver; repose; SOL | demand letter |
| Product liability | Property | product_manufacturer |
component failure described | spoliation; repose | suit |
| Utility negligence | Property | utility_company |
cause attribution (required) plus utility event (any_of) | tariff limits; act of God | demand letter |
| Tenant negligence | Property | tenant |
tenant conduct described | lease waiver; co-insured doctrine | demand letter |
| Municipal negligence | Property | government_entity |
prior notice or condition duration | immunity; notice deadline | governmental claim |
| Adjacent owner negligence | Property | adjacent_property_owner or occupant |
attribution plus condition or notice | act of God; waiver | demand letter |