In Joan's lawsuit against Andy regarding his dog, which statement is false?

In the context of insurance law and the obligations of insurers when their policyholders face legal actions, "reservation of rights" refers to a situation where an insurer acknowledges a claim but asserts that coverage may not exist for certain aspects of the claim while still providing a defense.

If the answer provided states that Andy's insurer will send Joan a reservation of rights, that implies a misunderstanding about the typical party involved in such communication. In a lawsuit, the reservation of rights is usually addressed directly to Andy, the insured, and it outlines the insurer's position on potential coverage issues, not directly to Joan, the plaintiff in the lawsuit. This is a critical aspect of how insurers manage their responsibilities and their communication with their policyholders in the context of a claim.

Therefore, the assertion that "Andy’s insurer will send Joan a reservation of rights" is not correct; such communication typically does not occur with the plaintiff but is communicated through the policyholder.