Donna, with respect to your question on statutes of limitations, there are a number of different theories upon which a title abstractor may be sued. Each cause of action (case) may involve a different statute of limitations, and each may have a different length of time. If the abstractor is terminating his/her e&o insurance coverage it is wise to see if the insurer will extend coverage for the longest period of applicable the statutes of limitations. The statute of limitations does not automatically "kick in" to prevent a suit. It is an affirmative defense that the abstractor would raise to defeat the plaintiff's case. As with all legal rules there are exceptions, e.g. perhaps there was continuing conduct on the part of the abstractor or the abstractor may have absented himself from the state in which the case was filed both of which may have tolled (extended) the statutes of limitations. E& o coverage is just one of a number of preventative actions that an abstractor needs to explore
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