Title — continued from Page 52


the title insurance company hire lawyers and defend the lawsuit so long as there is “bare possibility of coverage.” There is no distinction between the duty to defend under a title-insurance policy and other liability policies. (Lambert v. Commonwealth Land Title Ins. Co. (1991) 53 Cal.3d 1072, 1077.) Furthermore, there only needs to be a single cause of action among all those that are present in the complaint for the title insurer to be obligated to defend the entire suit. The title insurer will have the duty to indemnify the insured by paying any settlement or judg- ment for the covered portions of the law- suit filed against the insured.


What you need to know about title insurance In representing clients in real estate


Trust your case to a Certified Appellate Specialist.


Over 30 years of experience Excellent success record


Donna Bader


Certified Specialist in Appellate Law By State Bar Board of Legal Specialization


(949) 494-7455 www.DonnaBader.com Donna@DonnaBader.com Blogging at www.AnAppealtoReason.com


54— The Advocate Magazine JUNE 2011 ce Prepared 350+ writs & appeals


cases, where the client has been sued regarding easements or other issues that in some way relate to the ownership of land or the right to use land, there may also be a title-insurance claim in the case. Also, if a client is sued relating to the


use of land or an easement, the client’s title-insurance policy may provide the client with both defense and any indemnity in that action. In the recent onslaught of cases where


a foreclosed home is bought at an auction or some other non-standard method, the disclosure of encumbrances on the proper- ty might be incomplete and title insurers have been known to miss liens on such properties that are covered under a title- insurance policy. Whenever an issue of title arises in your client’s affairs, it should be standard practice to obtain and review the title insurance policy, no matter how old it may be. There might be coverage that would otherwise be missed. Christian J. Garris has specialized in all


D


aspects of insurance bad-faith litigation for over 16 years. He has obtained numerous seven-figure settlements in the fields of life, health, property/casualty, and disability insur- ance. He graduated from Claremont McKenna College in 1991 and obtained his J.D. from Santa Clara University in 1994. He founded the Law Offices of Christian J. Garris in Los Angeles in 2004.


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