051588P.pdf   04/28/2006  State Farm  v.  Natl. Research
   U.S. Court of Appeals Case No:  05-1588
   Western District of Missouri   
   [PUBLISHED] [Benton, Author, with Smith and Heaney, Circuit Judges]
   Civil Case - diversity. Insurance company did not have a duty to defend
   under business liability policy against FTC claims of misrepresentation
   and unauthorized disclosure of private information. Iowa Attorney
   General's claims for were not covered as damages under policy and
   insurance company had no duty to defend against Iowa's Assurance of
   Voluntary Compliance. Payment to the Revolving Fund in Missouri
   Attorney General's Assurance of Voluntary Compliance are not damages; 
   payment to the Public School Fund is damages and a duty to defend
   arises against the Assurance presented by the Missouri Attorney General. 
   District court's grant of summary judgment to insurance company is
   affirmed in part and reversed in part.
  
051588P.pdf   03/13/2006  State Farm  v.  Natl. Research
   U.S. Court of Appeals Case No:  05-1588
   Western District of Missouri   
   [PUBLISHED] [Benton, Author, with Smith and Heaney, Circuit Judges]
   Civil case - insurance law. Payments sought by the FTC and state
   attorneys general were for violation of students' privacy rights and were
   properly categorized as personal injury within the meaning of the
   insurance policy issued by State Farm; civil damages sought by the FTC
   would benefit the public at large and were damages within the meaning of
   the policy; payments sought by the State of Iowa (and on behalf of other
   states) were punitive in nature and were not damages within the meaning
   of the policy; as a result, State Farm did not owe defendant a defense on
   these claims; however, Missouri's request for a payment to the Public
   School Fund was a request for damages; while Missouri's request
   presents a mix of "damages" and "non-damages" claims, under Missouri
   law, State Farm owed defendant a duty of defense because a portion of
   the claims were insured.