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The Immutable Rules of Insurance Law

Wednesday, July 5, 2017

RULE NUMBER ONE: The Insurance Company is NOT Your Friend.


After 25+ years of insurance law practice, the single most important thing I can communicate to any lawyer-or any lawyer's client--is, “Rule Number One: The Insurance Company is NOT Your Friend.”

You will say, “Everybody knows that.” Maybe, but too few people act like they know it. I have witnessed the anguish of countless individuals who thought their insurer was their friend, only to discover when the chips were down that their insurer was merely a tough, sophisticated, for-profit business.

How does that happen? How is it that so many highly intelligent, well educated, and strongly motivated people end up without insurance coverage, asking, “Why do I even buy insurance?”

The answer too often is that they trusted their insurer to be a friend when they needed help.
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