Understanding Insurance Regulations & Coverage


Book Description

Understanding Insurance Regulations & Coverage is an authoritative, insider's perspective on key strategies for advising both insurance providers and consumers. Featuring partners and shareholders from some of the nation's leading firms, these experts guide the reader through the nuances of navigating the regulatory environment at both the state and federal level, including how current and future trends in insurance regulation are influencing providers and consumers. From licensing a new insurance company to filing claims, these authors highlight important factors for providers in complying with government regulations and for consumers in obtaining appropriate insurance coverage. Additionally, these leaders reveal their strategies for risk management counseling, understanding overlapping policies, and negotiating with insurance providers both when establishing coverage and throughout the claims process. The different niches represented and the breadth of perspectives presented enable readers to get inside some of the great legal minds of today, as these experienced lawyers offer up their thoughts on guiding clients through this ever-changing and complex area of law. Inside the Minds provides readers with proven business intelligence from C-Level executives (Chairman, CEO, CFO, CMO, Partner) from the world's most respected companies nationwide, rather than third-party accounts from unknown authors and analysts. Each chapter is comparable to an essay/thought leadership piece and is a future-oriented look at where an industry, profession, or topic is headed and the most important issues for the future. Through an exhaustive selection process, each author was hand-picked by the Inside theMinds editorial board to author a chapter for this book. Chapters Include: 1. A. Kenneth Levine, Chair, Insurance and Financial Services Practice Group, Broad and Cassel - "Regulatory and Legislative Issues in Insurance Law" 2. Katharine F. Musso, Partner, Balch & Bingham LLP - "Counseling to Address Regulatory Issues" 3. David Taubenfeld, Partner, Haynes and Boone LLP - "Leading the Way Toward Proper Insurance Protection" 4. Meghan H. Magruder, Senior Partner, King & Spalding - "Insurance Claims and Insurance Recovery" Appendices Include: Appendix A: Insurer Plan of Operations Appendix B: Insurer Organizational Chart Appendix C: Managing General Agency Agreement Appendix D: Producer Agreement




Fundamentals of Insurance Coverage in all 50 States - Fourth Edition


Book Description

Fundamentals of Insurance Coverage in All 50 States is a unique compendium and overview of all aspects of insurance coverage law in every state, with a special emphasis on some of the unique aspects of insurance coverage involving environmental claims. The treatise utilizes and cites state and federal statutes, insurance regulations, and case law from every state, as a framework for a unique and unprecedented treatment of this complicated subject. The book is designed specifically for insurance claims handlers and supervisors who have responsibility for or occasion to deal with coverage issues relating to third-party defense litigation, first-party claims litigation, and reservation of rights scenarios. In addition to being an excellent and easy to understand primer on coverage issues and the basic insurance contract, this book is suitable for both the inexperienced claims professional and the seasoned veteran. It is also the perfect "starting point" for any research or litigation briefing by trial lawyers, defense counsel, or in-house insurance counsel. It is a must for anyone with multi-state responsibilities. Fundamentals of Insurance Coverage in All 50 States compile all of the relevant law, regulations and case decisions from all 50 states into one easy to understand and easy to use reference book, the first place a lawyer or claims handler should turn when coverage matters rear their ugly heads. The book intentionally omits references to federal law, which plays a very limited role in insurance regulation, except insofar as it may be necessary to clarify issues of state law. The book is a comprehensive treatment of all coverage issues that the average insurance lawyer, claims handler or supervisor might be expected to run across in any given situation. This one of a kind treatise covers the following issues in all 50 jurisdictions: • Understanding Contracts of Insurance • Law Governing Insurance Policies • Tackling Ambiguity and Interpretation of Policies • General Contract Rules for Interpretation • Rights and Obligations of Contracting Parties • Limitations of the "Construed against Drafter" Rule • The Extent of Risks and Coverages • Good Faith and Fair Dealing; Bad Faith • Basic Policy Defenses • Cooperation of the Insured • Failure to Pay Premiums • Environmental Issues and Related Insurance Law




Care Without Coverage


Book Description

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.







Insurance, regulations and loss prevention


Book Description

"Insurance, regulations and loss prevention" by sanjivan saini is a comprehensive and insightful book that covers various crucial aspects of the insurance industry and loss prevention strategies. With a focus on providing valuable information to insurance professionals, students, policymakers, and individuals interested in risk management, this book encompasses the following key units: Insurance fundamentals: the book begins with a comprehensive introduction to the fundamentals of insurance. It explains the concept of insurance, its significance in risk mitigation, and the various types of insurance policies available for individuals and businesses. Readers will gain a clear understanding of how insurance works and how it benefits both insurers and policyholders. 1. Allied information: this section delves deeper into the insurance industry, covering essential information related to insurance companies, their roles, and the insurance market. It provides insights into insurance products, premium calculations, and the process of underwriting. Additionally, readers will learn about the importance of actuarial science in insurance and the role it plays in risk assessment. 2. Basic rules for industry and road transport: this unit focuses on the insurance considerations and regulations specific to the industrial sector and road transport. It addresses the risks faced by industries and transporters and how insurance plays a crucial role in protecting against potential losses. Readers will gain valuable insights into the types of insurance coverage required for industries and road transport businesses. 3. Basic rules for sea transport: in this section, the book covers the essential rules and regulations related to insurance in the maritime industry. It discusses the unique risks associated with sea transport and the need for specialized marine insurance coverage. Topics such as cargo insurance, hull insurance, and marine liability insurance are explored in detail. 4. Basic rules for warehousing: warehousing plays a critical role in supply chain management, and this unit highlights the insurance considerations related to warehousing operations. Readers will learn about the risks associated with storing goods and how insurance can provide protection against theft, damage, or other unforeseen events. Throughout the book, sanjivan saini draws on his expertise in the insurance industry to provide practical examples and real-world applications of insurance principles and loss prevention strategies. With a clear and engaging writing style, the author makes complex insurance concepts accessible to readers from all backgrounds. "insurance, regulations, and loss prevention" is an invaluable resource that equips readers with the knowledge to navigate the insurance landscape, understand insurance regulations, and implement effective loss prevention measures in various industries and transport sectors. It serves as a comprehensive guide that empowers readers to make informed decisions and enhance their risk management practices.




Insurance Law and Policy


Book Description

A contemporary, easy-to-teach text by the Reporters for the new Restatement of the Law Liability Insurance, this casebook invites students and teachers to re-imagine the field of Insurance Law. The authors demonstrate the big-picture role of insurance law and policy in American business and society, exploring federal-state regulatory roles in depth as well as the traditional topics covered in casebooks. Insurance Law and Policy: Cases and Materials uses more statutory material than any other casebook, with statutes typically presented through problems. Manageable assignments contain one major case followed by informative notes, questions and a problem. This text appeals to Insurance teachers as well as teachers of Torts and Contracts considering a new course. The Teacher’s Manual—with case briefs, backgrounds on selected cases, simple diagrams that explain complex issues, and answers to questions and problems—is especially useful for instructors new to the course. New to the Fifth Edition: Expanded coverage of the role of insurance in disasters and catastrophes, including the COVID-19 pandemic Extensive treatment of the now-finalized Restatement of the Law, Liability Insurance Reorganization of the liability insurance chapters to facilitate more step-by-step learning Replacement of a few difficult-to-teach cases with new, more straightforward cases Professors and student will benefit from: Focus on the big picture of federal-state regulatory roles in addition to the traditional insurance coverage topics addressed in other Insurance Law casebooks Extensive use of statutory materials, with statutes typically presented through carefully-constructed problems Manageable assignments structured with one major case, informative notes, questions, and a problem Interesting, up-to-date cases, with context-setting introductions, on topics such as cyber insurance, the role of private insurance in responding to public catastrophes, and the new Restatement of the Law Liability Insurance Cases are longer, providing students better grounding in the art of extracting useful knowledge from judicial opinions Elimination of some of the arcane aspects of insurance law in favor of presenting a broad and conceptual overview of the field




Understanding Insurance Law


Book Description

This comprehensive Understanding treatise can be used as the course text or as a supplement to any insurance law casebook. Insurance Law is designed to make the substance of insurance law accessible to the student and to the general practitioner unfamiliar with the subject. The premise of this book's organization is that insurance law is best understood if its legal principles are arranged according to the various stages in the life of a contract. Part A considers the question, "What is insurance law?" Part B considers issues germane to the establishment of the contractual relationship between insurer and insured. Part C considers issues relevant to the performance of contractual obligations. Finally, Part D examines a few topics that defy easy categorization, including special problems in group insurance, special issues in automobile insurance, issues in reinsurance, and a new chapter on excess and umbrella coverage.




Policyholder's Guide to the Law of Insurance Coverage


Book Description

Annotation The first comprehensive guide to insurance law written from the corporate policyholder's perspective, Policyholder's Guide to the Law of Insurance Coverage provides expert guidance through the labyrinth of legal issues surrounding insuring instruments and underlying claims, plus practical strategies and legal arguments to help you secure coverage for contested claims. Policyholder's Guide addresses virtually every insurance-related legal issue you are likely to encounter in the regular course of business, as well as those issues unique to specialized industries or unusual situations including: Liability policies -- Special liability policies -- First-party policies -- Specialty first-party property policies -- Environmental -- Marine and aviation -- Toxic tort -- Copyright claims issues Litigation in insurance coverage disputes. Policyholder's Guide gives you in-depth analysis of the latest court decisions plus current policy language and cutting-edge legal arguments thatyou may use to advance your case. You also get hundreds of case citations, footnotes, cross-references, checklists and other useful aids to make legal research easy.




The Complete Book of Insurance


Book Description

Do you have the protection you need? INSURANCE. You have to have it, but do you really know what you have? It is the one purchase that you hope never to use, but when you do, it is all too common to learn that what you thought was covered is not. Do not let your car, home or health suffer because that long, dry policy document is too difficult to understand. Instead, let The Complete Book of Insurance guide you through all of your major insurance needs. - If you are concerned with the other drivers and want to know just exactly what uninsured motorist coverage is-use The Complete Book of Insurance to evaluate what limits you really need if you are involved in an accident. - Whether you just bought your first house or are moving to a region prone to earthquakes, flood or mold-use The Complete Book of Insurance to learn what is really protected under your standard policy. - If you believe that you are too young to worry about life insurance-use The Complete Book of Insurance to plan for your family's future security. We all want the best coverage with the least expensive rates. However, finding the right insurance company and the right agent is actually your second step to making it happen. Your first step is to understand the type of coverage you truly need.




Coverage Matters


Book Description

Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.