| Types of Adjusters |
| When an insured files a claim with his insurer to recover for a loss, the insurer may pay the amount requested without question, or it may begin the "adjustment" process. This is the process by which the claim is resolved. Various types of "adjusters" may assist in the adjustment process. More... |
| Insurance Law |
| If an insured suffers a loss for which an insurer denies coverage, the insured may attempt to recover damages from the agent or the insurer on the ground that he would not have purchased such a policy had the agent explained it to him. The action may be brought under a negligence theory. In such a case, the insured would need to prove that the agent had a duty of care to explain the policy to him.More... |
| Insured Persons for Uninsured/Undersinsured Coverage |
| If a party injured in an automobile accident seeks to obtain coverage under an uninsured/underinsured motorist (UM/UIM) policy, he must meet the definition of an "insured." There are three classes of insureds covered under a UM/UIM policy, and the classification of the insured determines the scope of benefits he may obtain.More... |
| Denial of Claims |
| An insurer may deny a claim for a loss made by an insured in certain circumstances. However, the insurer must follow certain standards and guidelines when making such a denial. More... |
| The CGL Policy Exclusion for Contractual Liability |
| The comprehensive general liability policy insures the policyholder against liability for personal injuries or property damage to third parties caused by the acts of the policyholder. There are various exclusions from such coverage in the standard CGL policy, including the exclusion for contractual liability. More... |
Phelon, FitzGerald & Wood, P.C.
Attorneys at Law
