Interesting suit dealing with the issue of what an insurance company should have to pay for.
http://media.www.redandblack.com/med...-3752860.shtml
Excerpt from much longer article (article has some links with it to additional documents):
The University chapter of Sigma Chi fraternity is being sued in federal court by its insurance underwriter, stating it should not have to defend the fraternity against an injury lawsuit brought by a Gainesville woman.
Liberty Capital Corp. states in its lawsuit against Sigma Chi that the fraternity was not acting in accordance with the insurance policy and it should not have to pay damages if the woman wins her lawsuit against Sigma Chi. . . .