Towns v. Vermont Mutual Insurance

Judges: Applying the Rule of Insurance Contract Construction That the Language Must Be Strictly Construed Against the Insurer, We Must First Conclude That the Language or Provision at Issue is Ambiguous. See 2 L. Russ & T. Segalla, Couch on Insurance ⧠21.11 (3d Ed.1995). Although We Have No Easy Guidelines by Which to Gauge Whether Language in an Insurance Contract is Ambiguous, Generally Ambiguity Exists if Language is Reasonably or Fairly Susceptible to Different Interpretations. See

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