Most of us define insurance by what it does for us under the policies we have purchased.  If asked “what is insurance?,” most people would say “it pays for damage to my car” or “it pays my medical bills if…

Policyholders don’t want insurance adjusters who don’t know what they’re doing handling their claims.  It wouldn’t be fair to the policyholder.  Adjusters can’t know how the insurance company they work for wants them to handle claims unless the company tells…

As a policyholder who has experienced a loss, you might think it goes without saying that an insurance company must tell you all the coverages in place under your policy that might apply to your claim.  While insurance companies often…

The answer to this question is not as simple as it might seem.   In fact, it can be downright confusing.  I’ll try to explain.  First, the easier part.  An insurance company owes its own policyholder a duty of good…

Remember the awful accident the “Saturday Night Live” and “30 Rock” comedian involving Tracy Morgan?  As you might imagine, it led to high-stakes lawsuits by the people injured, but what you might not know is it also led to insurance…

Most of us are well aware of the basic provisions of our automobile insurance policies.  For example, we know that if we back into something in a parking lot and damage our bumper, insurance will fix it.  We also know…

What happens in a situation where a policyholder (an individual or a business) is alleged to have caused damage to someone else?  What if there is an auto accident and the other driver claims the policyholder caused it?  Or what…