My Insurance Super Market

Looking For Friends in Massachusetts

January 23rd, 2012

The Supreme Judicial Court of Massachusetts is seeking amicus briefs in an important appeal construing the scope of “intentional and criminal acts” exclusion in a homeowners policy.  If you belong to an organization that might be interested in having a say on this issue, contact us.

At issue in Metropolitan Prop. & Cas. Ins. Co. v. Morrison, SJC-10858 is a 2010 Superior Court ruling that an exclusion for intentional and criminal acts in a homeowner’s policy precluded coverage for a law suit that a police officer brought against the insured’s teen age son for injuries that the teenager inflicted in the course of resisting arrest. The

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Not Enough Insurance? You Could Face Financial Meltdown

January 10th, 2012

Last week, Investopedia ran a story on the five easiest ways to suffer financial ruin. So, what tops the list? You guessed it: Lack of insurance.

The piece, titled “5 Simple Ways You Can Ruin Your Financial Life,” focuses specifically on homeowners who neglect to purchase flood insurance:

“Every year there are reports of significant catastrophic flooding in some part of the United States, and every year that means some homeowners are facing an economic wipeout. Standard homeowners insurance excludes flood damage, and many homeowners neglect to buy a flood policy.”

What the article doesn’t have space to mention, however, is that lack of health insurance is one of the biggest financial scourges facing Americans today.

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Tags: Financial, Financial Meltdown

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Should Golf Carts Include Seat Belts?

December 5th, 2011

Seat belts for golf carts–you’ve got to be kidding, right? Nope. Golf-cart fatalities aren’t an everyday occurrence, but they do occur more often than you might think.

Last month, a woman in South Carolina was killed following a golf cart accident, raising the question: Should seat belts be mandatory on golf carts?

In this case, though, seat belts weren’t the primary issue–alcohol was involved. Here’s a snippet from the Insurance Journal:

“Anita Kay Bergeson, 37, of Knoxville, Tenn., was riding with her boyfriend in his parents’ golf cart in Sun City at about 11 p.m. June 4. She had a beer in one hand and her feet propped on the dash, according to the Sheriff’s Office report.

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Tags: Belts, Golf Carts, Seat Belts

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Insurers win big time in TCPA Suit: Business entities have no privacy interests; any property damage from a TCPA violation is expected.

December 4th, 2011

Judge Lefkow  from the federal district court, Northern District of Illinois, held in Maxum Indemnity Co. v. Eclipse Manufacturing Co., No. 06 C 4946 (June 13, 2011) (Dkt. # 367), that business entities have no right of privacy.   Thus any TCPA claims asserted by business entities, as the class members, against a defendant will not implicate the “personal and advertising injury” coverage of the defendant’s CGL policy.   When a business entity receives an unwanted advertisement via fax, only its property interests (in the paper, ink and fax machine) are affected.    However

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Tags: Business, Business Entities

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