A court decision released this past Wednesday clarifies what should happen if your client is sued and covered by more than one insurance company. Melissa Shawbonquit filed a lawsuit after she was injured in a boating accident in July 2016. Matthew Latendre was driving the boat, which was owned by Lawrence Latendre, whose home insurer was TD. Boat operator Matthew Latendre’s home insurer was Intact. Home insurance policies normally cover liability, but TD had an extension in its homeowners policy covering the boat owner. Specifically that policy, for which Lawrence Latendre paid $516 a year, refers to the 17.5-foot Aluma boat with a 135-horsepower Mercury outboard motor that was involved in accident.