"Manganella v. Evanston Insurance" "intentional acts exclusion" "duty to defend" "extrinsic evidence" "four corners rule"

You know, this is actually of more personal interest to me than it is probably of importance to insureds, insurers and their lawyers with regard to determining whether a duty to defend exists in a given case. That is because the rule reflected in the case I am about to tell you about is sensible