Did you know that, in most states, it may be harder to earn a license to cut hair or fingernails than sell or service insurance? What has become of insurance education today? Is www.LearnNothing.com the future of insurance education? Given recent events, perhaps so.
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Many insurance policies, both property and casualty, have exclusions for losses that are expected or intended. But what if the person who causes the loss has some degree of mental incapacitation? Is that material to whether such exclusions apply? Yes, but each claim depends on the individual facts and circumstances of that case.
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If someone sells a policy they know does not cover 99% of what someone does for a living, does that constitute insurance fraud? If not, is it ethical? What if the provider is simply ignorant? If the coverage provided by the policy is largely illusory, will the courts support a claim denial?
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In the debut episode of Season 2, we spend some time with Bill Wilson, the founder, and CEO of www.InsuranceCommentary.com, a website dedicated to property & casualty commentary; a site we all have saved to our favorites here at the PGI home office.
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An insurer makes a unilateral change in policy coverage, adding a named insured, based on “publicly available” information. Is this legal or appropriate? What about erroneous “public” information (aka “big data”) the insurer uses for coverage or rating purposes without confirmation by the insured, e.g., household residents, dwelling square footage, incorrect credit information, etc.
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Yet another online insurance quoting web site says that it makes an “apples to apples” comparison of insurance policies to provide the “same” or “exact” coverage for hundreds of dollars less. Is this claim an unfair trade practice or just bloviated puffery?
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After a brief absence while finishing my new book, I’m back with two new blog posts, one about vermin exclusions and the other about certificates of insurance. In addition, I post some information about ordering my new book “Why Insurance Doesn’t Cover the COVID-19 Pandemic” at a discounted price.
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THE Definitive and Conclusive Analysis of Why Insurance Doesn’t Cover Pandemics. is now available on presale at Amazon.com This book by one of the industry’s foremost P&C insurance coverage experts, author of “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” explains why potentially trillions of dollars of COVID-19 business interruption losses should not, can not, and are not covered by insurance.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.