My blogging has been a little sparse this year. As indicated in several recent posts, I’ve been working on an insurance book titled “When Words Collide: Resolving Insurance Coverage and Claims Disputes” and I’m pleased to report that I sent my final draft off to the publisher today for editing. A book cover should be finished this month and the book will hopefully go on pre-sale in May.
Whether you’re an agent, broker, underwriter, adjuster, consultant, risk manager, expert witness, attorney, or really weird person who likes to read insurance books, I think you’ll find this to be an interesting and relevant read and a reference book you’ll consult for years to come. It represents the culmination of a career that spans six decades and, if you’ve ever had a disagreement with someone about whether an exposure or claim is covered by an insurance policy, it reveals the principles and practices I’ve used for the past 30 years to resolve insurance coverage and claims disputes.
Here is a preview in the form of the tentative Table of Contents:
Gigantic Copyright and Disclaimer
Glossary of Terms
Warning! This Book Is Different From Any Other ‘Reference’ Book You’ve Ever Bought
Acknowledgements
Testimonials
In the beginning…
Dedication
Scope of This Book
Why You DO and DON’T Need This Book
Purpose of This Book
Policy Interpretation Basics
Duty to Read the Policy
Policy Form Standardization
More on Policy Form Edition Dates
Policy Form Revisions
Policy Form Revisions…The Lighter Side
Policy Interpretation Doctrines
Summary of Main Points
Legal and Contractual Principles
Intent
Parol Evidence and Extrinsic Evidence
Ambiguities
Reasonable Expectations
Entirety of Contract
Unconscionable Advantage
Illusory Coverage
Public Policy
Waiver and Estoppel
Detrimental Reliance
Reformation and Rescission
Breach of Contract
Duty of Utmost Good Faith
Substantial Performance
Statutory Supersession
Regulatory Directive
Agency Accommodations
Insurance Policy Interpretation
Eligibility vs. Coverage
Policy Foundational Documents
Definitions
Insuring Agreements
Perils and Exclusions
Other Policy Provisions and Considerations
Resolving Insurance Coverage and Claims Disputes
Tactical Procedures and Claim Resolution Steps
Step 0: Heading Off Denials After the Claim
Step 1: Read the Policy (Again)
Step 2: Interpret the Policy
Step 3: Research the Interpretation
Step 4: Plead Your Case
Final Words
Education
Advocacy
Insurance as a Profession
Final Words
Appendix
Standardized Policy and Processing Forms
Reference and Educational Organizations
Reference and Educational Materials
About the Author
Court Case Index
Key Word Index
Stand by for more details in the near future.
Bill Wilson
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Very nice! Looks to be another valuable tool from Mr. Wilson!
Wow! How can we buy them? A betting man would say this will be a ‘must have’ book if you are an agent.
Thank you, Bill, for the time and thinking that went into this.
Thanks. The pre-sale should begin in May.
Looking forward to it bill!
I am sure it will be an invaluable tool. Looking forward to it!
I’d like to be able to help promote this through the IIABAZ News & Views and on our Facebook page.
Ray, you won’t get any objection from me! I’ll be there in August. Though I’m presenting on “Finding and Fixing…Coverage Gaps” (personal lines in one session and commercial lines in another), they are steeped in the stuff I’m covering in the book.