Personal Lines Articles
Latest Articles
Claims Practices
How and Why California Killed Third-Party Bad Faith
2025-01-31 | Barry Zalma
Barry Zalma discusses the reversal of the 1979 "Royal Globe" case in 1988 by the California Supreme Court and its ramifications.
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Los Angeles County 2025
2025-01-22 | Robin K Olson
IRMI offers information about dealing with wildfire insurance claims in Los Angeles County, California.
Catastrophe Risk Management
Wildfire Smoke Claims: A Hidden Postwildfire Catastrophe
2024-11-22 | John Putnam
Smoke claims are as varied as the fires that cause them. John Putnam examines the characteristics, psychological dimensions, remediation issues, and dispute resolution challenges.
Claims Practices
Lying on an Application about Primary Residence Is Grounds for Rescission
2024-10-18 | Barry Zalma
Barry Zalma relates a recent case showing that an insured's intentional misrepresentation can result in no homeowners insurance coverage.
Catastrophe Risk Management
FAQs for Surviving Hurricanes Helene and Milton
2024-10-11 | Robin K Olson
IRMI offers assistance in the form of informative tips for dealing with insurance claims related to Hurricanes Helene and Milton.
Auto Risk Management
Inherent Diminished Value Claims for Personal Autos
2024-09-30 | Robin K Olson
Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.
Auto Risk Management
Senior Drivers and Insurance Concerns
2024-09-30 | Robin K Olson
As baby boomers age, the number of senior drivers increases. Rob Olson discusses the importance of finding ways now to reduce the frequency and severity of automobile accidents involving elderly drivers.
Auto Risk Management
Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality
2024-09-30 | Robin K Olson
Many insurers and industry groups believe non-original equipment manufacturer (OEM) or aftermarket parts are the same quality as OEM parts, but are they truly of like kind and quality? This article examines the debate.
Catastrophe Risk Management
FAQs for Surviving Tornado Losses
2024-09-30 | Robin K Olson
IRMI offers information about dealing with tornado insurance claims.
Personal Lines Insurance
Insuring the Home-Based Business—Part 2
2024-09-30 | Robin K Olson
In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Los Angeles County 2025
2025-01-22 | Robin K Olson
Catastrophe Risk Management
Wildfire Smoke Claims: A Hidden Postwildfire Catastrophe
2024-11-22 | John Putnam
Claims Practices
Lying on an Application about Primary Residence Is Grounds for Rescission
2024-10-18 | Barry Zalma
Catastrophe Risk Management
FAQs for Surviving Hurricanes Helene and Milton
2024-10-11 | Robin K Olson
Auto Risk Management
Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality
2024-09-30 | Robin K Olson
