Personal Lines Articles
Latest Articles
Claims Practices
Required Insurance Training and Continuing Education
2008-01-01 | Barry Zalma
With constant regulation changes, Barry Zalma says best practices mandate yearlong education.
Personal Lines Insurance
Demystifying Auto Rental Insurance
2007-12-08 | Mike McCracken
IRMI's Mike McCracken examines rental car coverage provided by the personal auto policy (PAP) and compares what some rental companies offer.
Property Insurance
Demystifying Appraisal: Getting through the Process
2007-12-01 | Jay M Levin
Jay Levin examines methods appraisers, umpires, and parties use to make the process proceed more smoothly and maximize the likelihood of a fair award.
Property Insurance
Demystifying Appraisal: The Scope and Nature of Insurance Appraisals
2007-10-01 | Jay M Levin
Jay Levin examines appraisals, addressing their use, benefits and limitations, jurisdictional differences, and review issues.
Claims Practices
Use Licensed Experts in Claims Litigation
2007-08-01 | Barry Zalma
An Illinois decision requiring experts to be licensed in the state before testifying could be problematic. Barry Zalma explains.
Claims Practices
The Lawyer as an Insurance Claims Expert
2007-05-01 | Barry Zalma
Contrary to popular opinion, Barry Zalma says a lawyer can make a good expert witness in an insurance claims dispute.
Property Insurance
When Must an Insurer Pay a Claim?
2007-05-01 | Jay M Levin
After a loss, a commercial policyholder needs to get repairs completed and business back up and running at full speed as quickly as possible. Frequently, the proceeds of the property insurance policy are necessary to accomplish this very important goal. Not all policyholders have the ability to finance repairs themselves while they wait for the adjustment process to be completed and the insurance company to pay the loss.
Property Insurance
Ensuing Loss: Getting Around a Property Policy's Defective Construction Exclusion
2007-04-01 | Jay M Levin
Jay Levin points out the logical inconsistency of a broad reading of the faulty workmanship exclusion and the narrow reading of the "ensuing loss" exception.
Catastrophe Risk Management
Defining the Characteristics of a PML Study
2007-03-01 | Nathan C Gould
A seismic/extreme wind risk assessment requires an understanding of how the risk assessment and loss data will be utilized. Dr. Nathan Gould explains.
Claims Practices
When Agents or Applicants Lie to Insurers
2007-03-01 | Barry Zalma
Barry Zalma discusses the case for rescission when full and accurate facts about the risk are not conveyed to the insurer.
Property Insurance
Demystifying Appraisal: The Scope and Nature of Insurance Appraisals
2007-10-01 | Jay M Levin
Property Insurance
Ensuing Loss: Getting Around a Property Policy's Defective Construction Exclusion
2007-04-01 | Jay M Levin
