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3285 An insurer is not responsible for voluntary payments made by the insured prior to tendering the claim; an insured sustained no damage as a result of an insurer’s refusal to defend if the insured was defended by another insurer; under a policy that excluded professional negligence and intentional conduct, there was no coverage for a claim that an escrow company mishandled an escrow or conspired with the seller to prevent the buyer from obtaining financing.CitationTRADEWINDS v TRUCK INS EXCH (Escrow Exclusion) 97 CA4 704 [See: InsC 533; Chatton v Nat'l Union 10 CA4 846, T/AT 1/93 0090; Ray v Valley Forge 77 CA4 1039, T/AT 3/00 2650]
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