Law360, New York ( October 8, 2013, 1:08 PM EDT) -- Generally, the language of an insurance policy governs the rights to any proceeds thereunder. However, many courts recognize a number of different theories that may allow third parties not specifically named as insureds in the policy to claim a right to the proceeds or even file suit for breach of contract. These theories include the equitable insured theory, the intended third-party beneficiary theory and the implied third-party beneficiary theory....
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