The main thing is what happened after the claim came. Travelers says it submitted its defense to MESA on August 12, 2025, and MESA responded on September 15, 2025, in what appeared to be acceptance. Passengers argue that it was not complete. The complaint cites MESA’s letter, which says it waives “all of its rights under the policy and applicable law (and none have been waived), including the right to appropriately increase other terms, conditions and exclusions later in the policy,” and says all rights are “hereby expressly reserved.” (The quoted letter refers to the insurer by its initials “Music”.)
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