"Policy Ensurance" INDEX

INDEX

A Post-mortem, 149
Abandon property, 39, 43, 57, 58
Acceptance, 126
Accident, 126
Act of God, 126
Acts which void the policy, 36
Actual cash value, 11, 13, 14, 22, 23, 25, 27, 28, 48, 52, 56, 57, 94, 121, 124, 126
- of building claims, 13, 15, 19, 20, 26
- of personal property claims, 10, 13, 17, 18, 20, 26
Actual damages, 126
Added Provisions, 41
Additional insured, 44, 126
Additional living expenses, 26, 79, 96, 126
Adhesion contracts, 86
Adjuster, 126
- as your own, 5, 7, 9, 137, 138
- authority, 7, 9, 60, 92, 93
- company, 7, 9, 10, 11, 12, 33, 42, 52, 53, 59, 87, 91, 93, 94
- independent, 9, 87, 88, 92, 93
- policyholder, 9, 24, 53, 92
- public, 9, 53, 92
Adjusting,
- claims in general, 3-12, 15, 16, 20, 21, 137, 138
- options of policyholder, 9
Adjustment, 126
Advertising, 4, 14, 136, 137
Aetna Casualty & Surety Co., 37, 40, 57, 59, 62, 67, 70, 79, 84, 87
Aetna Insurance Co., 64, 83, 94
Aetna Life & Cas. Insurance Co., 61, 68, 86
Affidavit--sample, 7, 18, 127
Agency, 127
Agent, 106, 112, 127
Agricultural Insurance Co., 43, 54, 55
Agway Insurance Co., 84
Aircraft, 85
Alabama Farm Bureau Mut. Cas. Insurance Co., 37
Albany Insurance Co., 88
All-risk insurance, 131
Allstate Insurance Co., 57, 58, 69, 70, 82, 86, 89, 90, 92, 95
American Cas. Co., 61
American Cent. Insurance Co., 55, 56
American Hardware Mutual Insurance Co., 36, 43
American Home Assurance Co., 36, 59
American Insurance Corp., 95
American Motorists Insurance Co., 59
Apparent agent, 127
Apportionment, 26, 28, 127
Appraisal, 8, 10, 24, 43, 52, 80, 85, 127
- award, 52-57, 127
- candidates, 53
- conditions for, 7, 8, 10, 52, 56, 57, 78
- demand letter, 51, 52
- error, 56
- evidence, 56
- failure, 54, 56
- fees, 24, 52
- not binding, 53-57
- scope, 55, 57
Appraiser, 24, 127
- appointment, 52
- disqualification, 54, 57
- fee, 24, 52
- objection, 55
- qualification, 53-55
Arson, 98
- acquittal, 79, 81
- as reason for claim denial, 36, 80, 81
- false accusations, 94
- proof of, 36, 68, 81, 94
Assignee, 128
Assignment, 47, 64, 128
Associated Indemnity Corp., 93
Atlas Assur. Co., 56
Attorney Fees, 67-71, 80
Automobile insurance, 90, 97, 116, 131
- actual cash value, 80, 109, 110
- collision, 81
- company standards, 70, 109, 110, 114
- in dead storage, 82
- payment acceptance, 81
- property claims, 86
- repair & replacement, 70, 80, 109, 110, 134
- theft, 82
Automobile Insurance Co. of Hartford Conn., 90
Bad faith, punitive penalties, 58, 67-71, 80, 85, 89, 90, 93, 94, 96, 128
- failure to file for, 58
- lost business profits, 70
Bank collection service, 65
Betterment, 128
Binder, 38, 46, 128
Boat damage, 85
Boiler insurance, 100
Brethren Mut. Insurance Co., 56
Broker, 128
Brown Township Mut. Insurance Assn., 70
Building claim, 21
- coinsurance, 14, 15, 84,
- constructive total loss, 33
- depreciation, 12
- estimate comparison, 19
- underinsurance penalty, 8, 21, 84
- under replacement cost coverage, 21
Building contractor, 8, 19, 66, 96
Burden of proof, 8, 81, 84
Bureau of Fraudulent Claims, 37
Business interruption insurance, 26, 41, 131
California Insurance Code, 7, 37
- Unfair Practices, 7, 125
Calif. Union Insurance Co., 83
Camden Fire Insurance Ass'n., 33
Canal Insurance Co., 82
Cancellation, 44, 45, 46
- by substitution, 45
- for premium non payment, 45
- limitations, 45
- nonrenewal, 46
- notice, 39, 4-46
- premium return, 44-46
Central Iowa Mutual Insurance Assn., 39
Century Indemnity Co., 62
Cherokee Insurance Co., 50
Cincinnati Insurance Co., 80, 89
Claim,
- adjusting, 137, 138
- definition of, 128, 138
- filing, 48, 49, 50
- in excess of policy limit, 8
- rejection, 44, 69, 79, 80, 93, 108, 112
- undisputed portion of, 51, 66, 70, 85, 121
Claim conscious, 128
Claim file, 112
Claim reserve, 128
Claimant, 106, 112, 128
Clayton Act, 100
Closing Techniques, 75
Coinsurance, 14, 15, 38, 84, 114
Coinsured, 129
Commerce & Industry Insurance Co., 46
Commercial Union Assur. Co., 15, 33
Commercial Union Insurance Co., 48, 62
Commissioner of Insurance, 98, 100, 129
Conditions suspending coverage, 39
Consolidated Insurance Co., 61
Constructive total losses, 33, 129
Consumer Protection Act, 79
Consumer Protection Law, 92
Continental Casualty Co., 68, 69, 79, 87
Continental Insurance Co., 40, 63
Continental Re-Insurance Co., 68
Cow, 78
- sacred, 136
Crime insurance, 131
Crop insurance, 131
Dearborn Nat. Insurance Co., 42
Declaration page, 129
Deductible, 50, 129
Depreciation, 7, 10-12, 17, 22, 23, 129
Documentation, 112
Draft, 71, 76, 84, 93, 107, 129
Draft collection service, 129
Due diligence, 129
Empire Cooperative Fire Insurance Co., 12
Employers Mut. Casualty Co., 48, 61
Ensurance, 3, 129
Equitable General Insurance Co., 83
Equivocal agent, 127
Estimate comparison, 8, 10, 11, 129
Examination under oath,
- compliance, 33
- delay, 85
- failure to submit to, 50
- refusal, 34, 52, 79
- requirements, 33, 34, 37, 49
- rights, 34, 37
Excelsior Insurance Co. of N.Y., 79, 89
Excess insurance, 131
Exclusion, 129
Expediency, 129, 136
Explosion, 40, 85
Extended coverage, 41
Farm Bureau Mut. Insurance Co., 69
Farmers Auto Insurance Assn., 42
Farmers Home Mut. Insurance Co., 80
Farmers Insurance Co. of America, 36
Farmers & Merchants Insurance Co., 39
Farmers Mut. Insurance Assn. of Walker Co., GA., 39
Farmers Mut. Insurance Co. of Nebraska, 39
Farmers Mutual Home Insurance Co. of Hooper, 83
Federal Insurance Adm., 45
Federal Insurance Co., 63
Federal Kemper Insurance Co., 69
Federal Trade Commission Act, 100
Federated Adjustment Co., 92
Fidelity & Deposit Co., 33
Fidelity-Southern Fire Insurance Co., 85
Fiduciary relationship, 86-92, 130
Fifth Amendment rights, 37, 52
Fire Insurance, 97-99, 117
Fire Insurance Exchange, 37, 90
Fire sale, 16
Fireman's Fund Insurance Co., 37, 62, 64, 86
Firemen's Insurance Co., 33, 70
First of Georgia Underwriters, 93
First party insurance, 131
Floater insurance, 131
Flood, 131
- already in progress, 44
- claim data, 101
- damage, 83
Fraud, misrepresentation, 9, 36, 37, 38, 43, 47, 78, 79, 81, 82, 88, 89, 91, 96, 107, 113, 115, 124, 135, 136
General Accident & Fire Insurance Co., 61
General building contractor, 130
Georgia Farm Bureau Mut., 96
Georgia Farm Bureau Mut. Insurance Co., 43
German-American Insurance Co., 55
German Insurance Co., 54
Glenn Falls Insurance Co., 33, 61
Good faith, 130
Good times to settle, 75
Glossary, 126
Government Employees Insurance Co., 86
Grain Dealers Mutual Insurance Co., 84
Granite State Fire Insurance Co., 78
Great American Insurance Co.,, 37, 40, 52, 83 96
Great Central Insurance Co., 47
Great Southwest Fire Insurance Co., 45
Grenwich Insurance Co., 55
Gulf Insurance Co., 12
Hail damage, 84
Hamburg-Bremen Fire Insurance Co., 33, 54, 55
Hamilton County Mut. Fire Insurance Co., 33
Hanover Fire Insurance Co., 54
Hanover Insurance Co., 65, 85
Hartford Accident & Indemnity Co., 69
Hartford Fire Insurance Co., 12, 15, 54-56, 63, 70, 80
Hartford Insurance Co., 82
Hazards not covered, 38
Highland Insurance Co., 78
Highlands Insurance Co., 67
Hochheim Prairie Farm Mut. Insurance, 84
Home Assurance Co., 42
Home Insurance Co., 37, 38, 55, 56, 58, 88
Homeowners Insurance, 41, 61, 65, 81-83, 99, 132
Hoosier Insurance Co., 36, 68
Horace Mann Insurance Co., 78
How to get what you deserve, 7, 8
Hudson Insurance Co., 84
Hull Insurance, 132
Illinois Fair Plan Assn., 39, 43
Illinois Farmers Insurance Co., 88
Increased hazard, 39, 40, 43
Indemnity Co. of America, 43
Independent Fire Insurance Co., 41
Indiana Insurance Co., 42
Informal Rules of a Negotiation, 73
Inland marine insurance, 99, 132
Insurable interest, 130
- mortgagee, 47
- policyholder, 47
Insurance, 130
Insurance agent, 38, 39, 43-45, 83, 113
- duty, 83, 86, 87, 90, 91, 94-96
Insurance broker, 47 84, 87
- duty, 87, 95, 96
- fee, 92
Insurance company obligations,
- to act in good faith, 74, 86-90, 93, 94
- to deliver policy, 84
- to investigate, 68, 85, 107, 108, 111, 112
- to pay, 53, 58, 84
- to pay on time waived, 79
Insurance company statistics, 132
Insurance company tactics, 71
Insurance Co. of North America, 45, 54, 63, 79, 81, 85
Insurance Co. of State of Penn., 12
Insurance company options,
- to take property, 57
- to quit-claim deed, 68
- to repair, replace property, 14, 57, 58, 67, 69, 84, 86, 96
Insurance Placement Facility, 44
Insurance Placement Facility of Penn., 60
Insured, 82, 132
Insurer, 106, 132
Insurrection, rebellion, riot, 38, 83
Integon Gen. Insurance Corp. 89, 94
Intentional acts, 40
Interest, 67-70
International Insurance Co., 79
Interstate Fire Insurance Co., 43
Introduction to basic rights, 5, 6
Investigator, 89, 94
Investigation, 68, 80, 85, 107, 108, 112, 132
King, Dick Insurance. Inc., 45
Know Your Adversary, 72
L & G Insurance Co., 55
Laissez-faire, 133
Lancashire Insurance Co., 93
League General Insurance Co., 91
Liability Insurance, 41, 97
Liberty Mut. Insurance, 90
Liberty Mut. Fire Insurance Co.,
Life Insurance Co. of Virginia, 90
Like kind and quality, 12-14, 86
Lilburn Insurance Agency, Inc., 87
Limited insurance representative, 112
Litilz Mut. Insurance Co., 13, 65
London & Lancashire Insurance Co., 93
Loss ordered or caused by civil authority, 38, 81
Louisiana Farm Bur. Mut. Insurance Co., 50
Lumbermens Mutual Cas. Co., 86
Maine Mut. Fire Insurance Co., 79
Mamou Farm Services, Inc., 84
Manchester Fire Assur. Co., 54
Market value, 11-13, 48, 84, 133
Marlow Adjustment, Inc., 47
Maryland Casualty Co., 33
Maryland Motor Cars Insurance Co., 12
McCarran Act, 100, 133
Measure of value, 133
Mechanics & Traders Insurance Co. of Hartford, 34
Mechanic's lien, 133
Mechanics' Insurance Co., 55
Mercantile Insurance Co., 56
Merchants Mut. Insurance Co., 81
Metropolitan Mutual Fire, 33
Michigan Mutual Insurance Co., 40
Mid-America Fire & Marine Insurance Co., 68
Mid-Century Insurance Co., 44
Milbanks Mut. Insurance Co., 46
Miscellaneous court cases, 78
Missouri Prop. Insurance Placement Facility, 47
Mixed insurance co., 133
Mobile home, 78
Mortgage interests, 46
Mortgagee, 13, 46, 47, 58, 65-67, 133
- claim time limit, 47, 58
- control of funds, 66, 67
- filing proof of loss, 47
- limit of interest, 48
- loss of rights, 47
- loss payable clause, 47
- notice of cancellation, 46
Motorhome, 78
Municipal Mut. Insurance Co., 46,
Mutual Insurance Co., 133
Mutual of Omaha, 88
Mysterious disappearance, 81, 133
N.A.I.C. Unfair Practices Model Regulation, 100, 106
Named insured, 133
National Assn. of Insurance Commissioners, 133
- history of, 100
National Board of Fire Underwriters, 98
National Fire Insurance Co., 42, 54
National Insurance Co., 12
National Lloyd's Insurance Co., 88
National Security Fire & Cas. Co., 36, 41
National Union Fire Insurance Co., 84
Nationwide Mut. Fire Insurance Co., 84
Nationwide Mut. Insurance Co., 67, 80, 95
Netherlands Insurance Co., 33
New Hampshire Indemnity Co., 70
New Hampshire Fire Insurance Co., 33
New Hampshire Insurance Co., 53
New York Property Insurance Underwriting Assn., 34, 47, 52
New York Underwriters' Insurance Co., 15, 55
Non-waiver agreement, 68, 133
North Carolina Farm Bureau Mut. Insurance Co., 39, 41
North River Insurance Co., 46
Northern Assurance Co., 13
Northwestern Mut. Life Insurance Co., 33
Northwestern Nat'l Insurance Co., 12, 88
Norwich Union Fire Insurance Society, 54
Notary, 134
Notice of loss, 50, 107, 112, 134
Occidental Insurance Co., 13
Occupancy, 83, 134
Ohio Farmers Insurance Co., 43
Ostensible agent, 113
Other insurance, 39, 43
Otsego Co. Farmers' Cooperative Fire Insurance Co., 34
Otsego Mutual Fire Insurance Co., 85
Owner-builder, 134
Patrons Mut. Fire Insurance Co., 57
Pawtucket Mut. Fire Insurance Co., 56
Pekin Life Insurance Co., 96
Penalties, 11, 14, 15, 67-69, 80
Penn. Lumbermen's Mut. Insurance Co., 95
Penn. Mut. Fire Insurance Co., 44, 59
Penn. Mut. Fire Insurance Co. of Westchester, PA., 12
Penninsular Fire Insurance Co., 81
Personal property claim,
- calculating value of, 9-13
- depreciation, 10-12
- listing of, 7, 9
- property in bankruptcy, 81
- relying on co. adjuster, 91
- sample claim, 7, 10, 11, 17
Phoenix Assur. Co., 56
Phoenix Insurance Co., 43, 55
Phoenix Mut. Fire Insurance Co., 96
Policyholder,
- authority of, 6-11, 48
- duty of, 39, 48, 49, 85, 87, 91, 95
- interest, 24
- lack of cooperation, 80
- neglect by, 38
Polygraph exam, 37, 80
Preferred Mut. Fire Insurance Co., 41, 66
Preparation, 4, 71
Progressive Cas. Insurance Co., 94
Proof of loss, 7, 20, 27, 36, 37, 44, 48, 49, 52, 57, 66, 78, 79, 84, 85, 89, 93, 134
- binding, 84, 89
- late filing, 42, 43, 52
- refusal to file, 52
- rejection, 50
- requirements, 42, 48, 49
- support of, 7, 8, 10
- waiver of, 36, 42
Property disposal, 55
Property insurance data, 101
Property insurance history, 97- 100
Pro rata liability, 48
Provisions limiting insurance company liability, 13
Prudential Property, 85
Prudential Property & Cas. Insurance Co., 82
Public Adjuster Law, 92
Public Employees Mut. Insurance Co., 85
Public Mutual Fire Insurance Co., 45
Punitive damages, 134
Quincy Mut. Fire Insurance Co., 40
Reading Insurance Co., 55
Regulatory authorities, 102-104
Reliance Insurance Co., 44
Repair authorization, 134
Repair or replacement, 10-14, 58, 67, 69-71, 78, 84, 86, 93, 96, 134
Replacement cost policy, 14, 21- 23, 42, 67, 70, 84, 94, 134
Replacement cost supplemental claim, 21, 22, 134
Republic Insurance Co., 41, 69
Republic Insurance Group, 95
Republic Underwriters Insurance Co., 87
Requirements in case of loss, 48- 50
Right to proceeds, 65, 66
Riverside Insurance Co., 68
Rochester German Insurance Co., 33
Rockford Insurance Co., 55
Royal Globe Insurance Co., 47, 60, 64, 94
Royal Insurance Co., 33, 43, 54
Rutger Fire Insurance Co., 34
Safeco Insurance Co., 58, 59
Safeco Insurance Co. of America, 88
St. Paul Fire & Marine Insurance Co., 33, 34, 57, 90
Salvage principles, 8, 15, 16, 58, 88, 89, 134
Salvor, 134
Scottish Union National Insurance Co., 57
Security Insurance Co., 33
Security Insurance Co. of Hartford, 91
Security Fire Insurance Co., 12
Security Mutual Underwriters, 33
Sentinel Fire Insurance Co., 43
Sentry Indemnity, 88
Sentry Indemnity Co., 63
Sentry Insurance Co., 43, 48, 62
Settlement, 8, 43, 85, 134
- oral, 50
Sewage, 79
Sim Fire Office, 60
Snow damage, 83
Southern Trust Insurance Co., 36
Southern Fidelity Insurance Co., 87
South-Eastern Underwriters Assn. 100
Special agent, 9
Special relationship, 90
Standard National Insurance Co., 13
Standard of value, 11
Standard policy wording, 35
- 165 lines, 34, 35
State Farm Fire & Cas. Co., 34, 37, 42, 44-46, 52, 59, 62, 63, 65, 66, 78, 82, 89
State Farm Mut. Auto Insurance Co., 86
State Farm Mut. Insurance Co., 81, 82
State Mut. Rodded Fire Insurance Co. of Mich., 66
Statement of Loss, 20, 134
Statesman Insurance Co., 42, 59
Stein-McMurray Insurance, Inc., 78
Stock insurance co., 135
Stuyvesant Insurance Co. of New York, 12
Subrogation, 47, 48, 60, 69, 135
- agreement, 62
- company right to, 60, 62
- equity of, 60, 64
- failure, 61-63
- forfeiture of, 63, 63
- held in trust, 63
- limitation, 47, 61
- without wrongdoer, 63
Svea Mutual Insurance Co., 70
Tenant's betterments and improvements, 135
Tennessee Farmers Mut. Insurance Co., 41, 79
The meaning of lines 1-165, 34
Theft, 38, 39, 81, 82, 87, 88
Third party insurance, 118
Time limits, 7, 54
- failure to meet, 59
- for insurance co., 53, 58
- for vacant building coverage, 7,
- to file proof of loss, 7
- to select appraiser, 7, 52, 53
- to sue, 7, 42, 52, 58-60
- to select umpire, 52, 53
Transamerica Co., 64, 88
Travelers Companies, 34, 52, 71, 72, 75, 77
Travelers Indemnity Co., 36
Travelers Indemnity Co. of IL., 42, 59
Travelers Insurance Co., 82
Trinity Universal, 67
Twin City Fire Insurance Co., 43
Umpire, 24, 135
- appointment, 56
- authority of, 52
- disqualification, 53
- selection of, 52, 53, 56
- qualification, 53
Underwriters at Lloyds' London, 41, 48, 85
Unfair Claims Settlement Provisions (states'), 105
Unfair Practices Act, 93
Unfair Trade Practices Act, 91
Unigard Insurance Group, 79
Uninsurable & Excepted Property, 38
United Security Insurance Co., 79
United Services Auto. Ass'n., 81
United States American Universal Insurance Co., 63
United States Fidelity & Guaranty Co., 38, 46, 84
United States Fire Insurance Co., 56
United States Insurance Co. of North America, 83
United States Safeco Insurance Co., 83
Usual & incidental, 78, 135
Vacancy, unoccupancy, 39-41, 43, 135
Value policy, 15, 48
Vandalism, 83
Vexatious penalty, 60, 69, 135
Waiver, 41, 42, 135
- after loss, 42
- for not providing copy of policy, 44, 84
- for proof of loss requirement, 42, 43, 52
- for replacement cost time limit, 42
- nonwaiver, 68
- of appraisal, 43, 93
- of insurance company rights, 43
- of policy provision, 44
- of right to void policy, 43
- of time limit to sue, 42, 44, 59
- written, 8, 42
Washington City Farmers Mut., 78
Washtenaw Mut. Fire Insurance Co., 61
Westchester Fire Insurance Co., 44, 78
Western Assur. Co., 55, 56
Western Underwriters' Assn., 43
Williamsburg City Fire Insurance Co., 56
Wolverine Insurance Co., 68
Written communications, 112
York Insurance Co., 47
York Mutual Insurance Co., 14

Policy Ensurance

Compiled By Antone P. Braga