Insurance law falls into three major categories. First, the insurance company will hire lawyers to represent the insured in case they are sued for something related to their insurance contract. These are known as “insurance defense attorneys.” The second category of insurance law helps insured people determine when an insurance company must pay a claim. Third, insurance companies typically hire attorneys to make sure the company complies with all applicable laws and regulations, which can vary by state.
Topics: Coverage disputes, insurance bad faith, cases, news, perspectives, and practices.
How To Read Insurance Policies– An Example: One Phrase, 200+ Years (1780-1970)
Michael Sean Quinn, Ph.D., J.D.*There is an unusual phrase that occurs in some Twentieth Century insurance policies that also occurred in Eighteenth-Century first-party insurance policies, all of which back then insured losses from fire, and only them, so long as they...
INSUANCE HISTORY: 1794 Fire Insurance Proposal/Policy
SUN'S 1794 HOMEOWNERS AND BUSINESS OWNERS FIRE INSURANCE PROPOSAL/POLICYThis Proposal is very much like the proposal Sun Fire Office (aka Sun Insurance) issued in 1724. The abbreviated discussion of it here depends on the discussion of the earlier one that has been...
The phrase-noun “insurance policy”: From Whence Came It?
"INSURANCE POLICY"As everyone knows, contracts of insurance are often called "insurance policies." On and off, over many years, I have wondered why, but have been too lazy to try and find out. This project has given me what I tentatively think may be the...
ODD-BALL “PROFESSIONAL” LIABILITY COVERAGE
KEYS & THE BIZ A very large number of American families have young (or young-ish) children, dogs as pets, and both parents working. Forget about the covet-19 disaster; this too shall pass eventually. Now think about family economics before it and afterward. Part...
DOG INSURANCE: THREE BITES, WHICH COVERED?
AN ABSTRACT DISCUSSION This post is are thoughts on coverage in the abstract. Another post will be about some concrete sides of these oddball coverages. Suppose the large dog, Ruffian, belonging to A bit B three times in A's front yard, where A and B were having a...
Fire Insurance History
INSURANCE HISTORY FIRE INSURANCE SUN FIRE-OFFICE (1710) Sun Fire-Office (“SFO”) is the longest-lasting British insurance company. It started with fire insurance shortly after the 1600s, and part of its beginning was taking over some other companies. A document...
“Salvage Agreement” Insurer <> Insured (1708)
Back by popular demand: Eighteenth-Century Property Insurance: Salvage AgreementIn 1708 Charles Povey,* the founder of The Sun Fire Office, by far the most successful insurer in the 18th Century and alive to this day, more or less, devised a new...
AN OLD ENGLISH FIRE INSURANCE POLICY ISSUED BY THE FRIENDLY SOCIETY
A PROPOSAL FOR INSURING HOUSES BY THE FRIENDLY SOCIETYMichael Sean Quinn, Ph.D. & J.D. Austin Texasmquinn@msqlaw.comThe "Friendly Society" ("FS") began insuring houses as early as...
Legal Malpractice, Insurer Sues Coverage Counsel, Writ of Mandamus
LEGAL MALPRACTICE CASE:CLIENT INSURER AGAINST COVERAGE COUNSELIn re Houston Specialty Insurance Company, RelatorOn Petition for Writ of Mandamus17-1060Opinion Delivered: January 25, 2019 Michael Sean Quinn* ...
TWENTY-FIRST CENTURY: DUTY TO DEFEND ATTACKED BUT NOT DEMOLISHED: LOGIC REJECTED AND REASON IGNORED PART ONE OF THREE
TWENTY-FIRST CENTURY: DUTY TO DEFEND ATTACKED BUT NOT DEMOLISHED: LOGIC REJECTED AND REASON IGNORED PART ONE OF THREE Michael Sean Quinn* Quinn & Carmona Austin Texas Insurance arrangements of various sorts have been around for thousands of years. Not so with...
Recent Comments