Welcome
Over my 26 (and counting) years of insurance law practice, I have been asked the following three questions countless times, always in this order, always with increasing exasperation:
- Am I covered?
- Why not?
- Why do I even buy insurance?!
This Insurance Landmines Series is designed to answer these and closely related questions. The short answer, however, is that the insurance transaction, from the design of the policy to the end of the very last claim, is littered with what I call “Insurance Landmines.” In short, these are the devices—unexpected and unforeseen by the policyholder—by which insurers delay, diminish, or deny coverage that the policyholder thought existed.
As you will see below, most of these Insurance Landmines are deliberately inserted into the insurance transaction by the insurer. Whether a given landmine was inserted dishonestly in a given case is something you must judge for yourself.
Read more . . .