This is a summary. To read the whole story subscribe to BostonGlobe.com
The Marathon bombings are presenting the first major test of an insurance law passed after the Sept. 11, 2001, attacks to regulate coverage in the event of another large-scale disaster.
While the law was meant to provide clarity for insurers and those facing losses, it has thus far failed to do so in Boston, where it remains unclear who will be responsible for millions of dollars in losses.
Insurance specialists said it could take the Obama administration several months to work through a technical, multipart test to determine whether an act of terrorism has occurred. The law does not set a deadline for making that determination, and the Obama administration has not offered a possible time frame.