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Sometimes, in an effort to be helpful, agents try to “assist” their policyholders in making a claim, but end up delaying the claims process. There have been circumstances where agents…
On occasion, agents have mistakenly told policyholders that a loss is either not covered or excluded. Again, the agent cannot alter the terms of the policy by post-loss representations. However,…

Louisiana Wasting Limits

Wed, 11 Jun 2014
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Published in Articles
 The following is an update on proposed HB 665 in Louisiana that would prohibit wasting limits for many types of policies. Due to what occurred in the Louisiana Senate Insurance…

Your State and PIP Coverage

Wed, 11 Jun 2014
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Published in Articles
Personal Injury Protection (PIP) is an extension of the automobile policy, which is available in many states. It covers medical expenses and, in some cases other expenses. Premiums do not…

NATURAL ACCUMULATION

Wed, 04 Jun 2014
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Published in Articles
Scenario: John and his wife stay at a hotel overnight in Wyoming. During the night there is about 2” of snowfall. By morning the parking lot had been plowed, the…

Texas Governmental Tort Immunity

Wed, 04 Jun 2014
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Published in Articles
Immunity prevents a state or person employed by the state government from being subjected to suit without its consent. The doctrine of Sovereign Immunity stands for the principle that a…
A cause of action for breach of a duty of good faith and fair dealing is stated when it is alleged that there is no reasonable basis for a denial…
The question immediately arises as to whether an agent is liable for post-loss incorrect statements of coverage even if those representations were made honestly and in good faith. Unfortunately, the…
INTRODUCTION The cost of fraudulent insurance claims in the United States is estimated to be $120 billion dollars per year. Fraud is responsible for 10 percent of the property/casualty industry’s…

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