Choice of Law for Coverage Disputes State Law Survey

This survey addresses choice of law for insurance coverage disputes. The survey covers all 50 U.S. states and the District of Columbia. For an overview article that supplements this survey, see Choice of Law for Coverage Disputes. Whenever a policyholder headquartered in one state is sued or has a claim arise in a different state, an issue frequently arises as to which state's law applies to the interpretation of the insurance policy. Either the insurer or the policyholder may be forced to file suit to determine controlling law if the two states have reached differing interpretations of the policy language and have differing approaches to choice of law. This survey highlights the choice of law regime in each state, which may include statutory, lex loci contractus, Second Restatement, and case law.