In this bonus episode, attorney Laura Dowgin joins us to discuss the Latest Chapter of Smedley and the principle that the duty to defend is broader than the duty to indemnify.

Laura shares her thoughts on how that principle practically plays out for insurance companies and defense counsel in actual cases in New York and New Jersey. She also explains New Jersey's unique take on this principle, which I think is fascinating.

The choice of a lawyer is an important decision and should not be based solely upon advertisements.