Miller’s Standard Insurance Policies Annotated ® versus the Mechanical Search

You may ask, “ If I can already search for cases, why do I need Miller’s ?”

1. MILLER’S IS MORE PRECISE THAN A MECHANICAL SEARCH.

• •	Miller’s will give you exactly the cases you need, without all the cases you don’t.
• •	For example, the phrase “conduct of a business” in Miller’s Index of topics, words and phrases leads you directly to 48 cases in three coverage contexts: Businessowners, General Liability and Commercial Umbrella. In comparison, a mechanical search yields an overwhelming 706 cases, many of which discuss RICO claims, state licensing issues and a host of other irrelevant topics.
• •	Miller’s gives you precisely the cases you need in the context you need them, ordered by jurisdiction and date. With a single letter,“I”or “i,” Miller’s also tells you which party’s interpretation of the phrase “conduct of a business” prevailed.

• MILLER’S IS SMARTER THAN A MECHANICAL SEARCH.

• •	Miller’s gives you the cases you need, even if you don’t ask for them.
• •	For example, most personal auto policies use the term “family member” to describe an insured for liability, uninsured/underinsured and PIP coverage. But many personal auto policies use the term “relative.” Miller’s annotations to the policy’s definition “family member” include cases litigating the meaning of both terms: “family member” and “ relative.” Annotations to cases discussing the term “relative” are flagged with a “d,” indicating that policy language “different” from the standard form in Miller’s appears in the reported case.
• •	With our lawyers’expertise, Miller’s is more comprehensive and smarter than a mechanical search, which makes you smarter, too.

• MILLER’S ANNOTATES IMPORTANT INSURANCE ISSUES, IN ADDITION TO POLICY LANGUAGE —IN CONTEXT.

• •	Many widely litigated coverage issues are not tied to particular policy language.
• •	For example, there is no policy provision for “bad faith.” Yet Miller’s offers more than 2800 case annotations discussing this important issue, organized in 89 different liability coverage contexts,as well as 23 different property coverage contexts.
• •	As always, Miller’s Index allows you quickly to narrow or broaden your search for cases on this and other important issues by coverage context, jurisdiction, date, and/or prevailing party.

So the next time you need insurance coverage case-law, try Miller’s instead of a mere mechanical search. It will save you time and money. Miller’s will provide you with more of the cases you need, without the cases you don’t.

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P.O. Box 2074
Hartford, CT 06145
860-676-0001