Insurance is everywhere in Canadian society: health, employment, transportation, commerce, industry, and communications are all sectors of activity affected by insurance. Whether public or private, compulsory or voluntary, insurance touches everyone on a daily basis. Where there are risks, there is a need for insurance -- and one cannot live in the twenty-first century without encountering risk day in and day out.

The ubiquity of insurance comes at a cost. This price is paid by all Canadians and not only by those who hold insurance policies. Every year, Canadian policyholders pay billions of dollars in premiums to private insurance companies. Regulation is another consequence of the prevalence of insurance.

Canadian insurance law is a complex mixture of federal and provincial legislation, common law, and custom. This book offers a detailed survey of this regulatory patchwork, divided into three parts. Part 1 provides an introduction to the creation and enforcement of insurance contracts. The subject of Part 2 is the creation of an enforceable insurance contract. Part 3 examines the principles applicable to the enforcement of insurance contracts.

This concise and accessible guide to reinsurance law is an easy-to-read specialist reference focusing solely on reinsurance. Every aspect of the core and subsidiary principles of reinsurance law are covered beginning with an investigation of the definition, purpose, and types of reinsurance. Guidance is given on contractual principles and terms in the reinsurance context, obligations, rights and liabilities of the reinsurer, and the choice of law.

With usability and practicality in mind, a number of aspects have been further developed in this edition. There is an increased depth of analysis in addressing 'Follow the Settlements', incorporation, non-disclosure, misrepresentation, and the role of good faith in reinsurance contracts. The new edition also addresses the consequences of the Insurance Act 2015 and recent cases on reinsurance arbitration - particularly the appointment of arbitrators and their duties.

This book is both practical and authoritative, and is successful in isolating the key issues in reinsurance law to provide an easy and reliable reference source. It is a must-have work for all reinsurance practitioners.

Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. When you die, life insurance provides money to the people who depend on you. It can also do much more.
This book shows you exactly how you can take advantage of one of the most common, but misunderstood financial tools. In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive - and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies - this book will be your guide.

LEARN HOW THE MODERN INSURANCE INDUSTRY FUNCTIONS AND DYSFUNCTIONS
With Pay Up!, attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers.
The claims process has become so automated that legitimate claims are denied without ever being seen by human eyes. Exceptions and exclusions are buried within small print that can bury your claim. Many claims departments operate under a culture of paranoia in which legitimate claims are denied, sometimes accidentally, sometimes not. Cost-cutting measures birth self-serve policies that force the policyholder to do the insurer's job. Insurance lobbyists are so enmeshed in the political process that it can be hard to know whose side industry regulators are on.
Commercial and individual policyholders pay premiums with the understanding that insurers will pay claims fairly, fully, and promptly. It's time for the insurance industry to Pay Up!

An insurance fraud investigation is a type of fraud investigation that centers around attempts to benefit from deceitful claims. Seeking compensation for false or inflated claims is illegal, dangerous, and raises the price of insurance for everyone. An insurance fraud investigation aids by revealing false claims. Don't let your insurance premiums be a waste of money; use a private investigator to safeguard your insurance privileges.

Here's a fascinating-often-time hilarious compilation of insurance fraud cases, some so outrageous, so utterly bizarre and crazy, you'll have a hard time believing them. But it's all true-direct from the private confidential files of one of the nation's top investigators. It represents the best of the best cases the author has handled.

Every profession has its unwritten rules which practitioners learn through on-the-job training. Being a claims adjuster is no different, except that insurers expect the claims department to shoulder more and more duties with less personnel-- leaving little time for training from seasoned adjusters. This is exacerbated by the brain drain of the Baby Boomers leaving and no clear educational process for adjusters.

The Art of Adjusting: Writing Down the Unwritten Rules of Claims Handling will help the adjuster:

• Write better reservation of rights letters
• Handle irate insureds and claimants in a more professional manner
• Understand how to read an estimate and medical records.

Chantal M. Roberts, CPCU, AIC, RPA, is a claims handling, standards, practices, and procedures expert witness with 20-plus years' experience as a multi-lined claims adjuster. In her first book, she attempts to bridge the gap between being a new adjuster and a seasoned hand by offering some of the lessons she learned so that adjusters can get back to doing what they are meant to do: settle claims quickly, proficiently, and economically.

Kenneth Abraham explores the development and interdependency of the tort liability regime and the insurance system in the United States during the twentieth century and beyond, including the events of September 11, 2001.

From its beginning late in the nineteenth century, the availability of liability insurance led to the creation of new forms of liability, heavily influenced expansion of the liabilities that already existed, and continually promoted increases in the amount of money that was awarded in tort suits. A liability-and-insurance spiral emerged, in which the availability of liability insurance encouraged the imposition of more liability, and, in turn, the imposition of liability encouraged the further spread of insurance.

Liability insurance was not merely a source of funding for ever-greater amounts of tort liability. Liability insurers came to dominate tort litigation. They defended lawsuits against their policyholders, and they decided which cases to settle, fight, or appeal. The very idea behind insurance--that spreading losses among large numbers of policyholders is desirable--came to influence the ideology of tort law. To serve the aim of loss spreading, liability had to expand.

Today the tort liability and insurance systems constantly interact, and to reform one the role of the other must be fully understood.

The third edition of Insurance Law: Doctrines and Principles follows the widely acclaimed first and second editions. It provides a detailed examination of the developing law of insurance, combining exposition of the law with critical analysis. The book is designed with the needs of undergraduate and postgraduate students in mind. The text is enhanced by extensive citations to case law and academic commentaries, making the book ideal for students, scholars and practitioners alike.

This new edition reflects the many changes that have occurred in the law of insurance since the second edition was published in 2005. The book is divided into two parts. Part I considers the regulation of insurance business and the general principles underlying the law of insurance contracts. Part II examines the way in which these principles are shaped by the particular insurance context in which they operate. The book is readable and authoritative, with a sound grasp of the realities of insurance practice; it is well sourced and generous with supplementary points.

'Lowry & Rawlings is a welcome addition to the ranks of insurance law textbooks and a serious contender for the student readership in this field.'
Nicholas Legh-Jones QC, Lloyds Maritime Commercial Law Quarterly

'I recommend the book for undergraduate use, and as a starting point for postgraduate use. The book is well written and full of clear explanations of a difficult field of the law.'
Neil Campbell, Law Quarterly Review

'...can be warmly recommended for purchase or use by lecturers and students in the subject.'
Dennis Dowding, The Law Teacher

'...a very useful text on insurance law ... an eminently readable, good and critical book. It is clearly of the highest calibre.'
Reuben Hasson, Canadian Business Law Journal

A man slips on a dance floor and breaks his leg. He recovers damages. A child has both legs amputated as a result of meningitis and is awarded nothing. The law's justification for awarding damages in the first case is that the man's injury was the fault of someone else, while in the second case damages are denied because nobody was at fault. In this searching critique of the present law and practice relating to damages, Professor Patrick Atiyah shows that this system is in fact a lottery. He contends that the public are paying far too much for an unfair and inefficient insurance system and that reform is long overdue. His conclusion is that actions for damages for injuries should be abolished and replaced with a new no-fault road accident scheme, and actions for other injuries should be dealt with by individual or group insurance policies.

The Guide to Huge Cash Awards, Lifetime Payments & Maximum Money. By Jim The Hammer Shapiro. Learn how to wring Maximum Money Awards out of: Smug Insurance Companies; Rich, Greedy Corporations; Evil Landlords; and Crooked Stock Brokers.

The insurance industry is illusive and discreet in all they do. They live and thrive based on loopholes and secrets. We uncover those secrets in this book and guide you through the biggest secret of them all. An industry worth over $100 billion dollars. The secret we are talking about today is the most misunderstood in the industry, Diminished Value . It applies to almost all goods covered under insurance. The loss of value caused by a tainted history of a claim. http: //www.diminishedvalueadvocate.com

The absence of persuasive precedents may prevent some attorneys from framing the effective policyholder arguments in insurance coverage litigation. With Insurance Coverage Litigation, Second Edition, youand#8217;ll discover how the experts analyze the facts to win your next insurance coverage case.

This unique resource provides comprehensive examination of the full range of issues shaping insurance coverage cases being heard in the courts todayand#8212;including the publicly available, but hard-to-find industry and#8220;loreand#8221; that savvy insurance practitioners use to win complex insurance coverage cases. Whichever side you represent in the billion dollar insurance coverage field, this work contains vital information you canand#8217;t afford to be without when preparing a case for state or federal court.

Insurance Coverage Litigation supplies:

• Extensive analyses of case law on insurance coverage issues arising under general liability insurance policies.
• Sample CGL Policy Forms.
• The most in-depth discussion of the drafting history of standard-form general liability insurance policy languageand#8212;including language derived from the insurance industryand#8217;s own representations to the public, governmental agencies, courts and policyholdersand#8212;one of the most powerful tools available to policyholders.
• Easy-reference tables and state-by-state summaries that help you quickly grasp and compare court interpretations on a broad range of issues including the reasonable expectation doctrine, trigger of coverage and allocation, notice of claim or action, and insurability of punitive damages.
• Cutting edge analysis and guidance on rapidly evolving areas such as environmental liability, intellectual property disputes, and#8220;cyberand#8221; losses and liability, terrorism coverage, and more.

No-fault regimes, a formerly popular alternative to the tort compensation system for auto-accident victims, have gradually lost support. Over time, premiums and claim costs have grown in no-fault states relative to other states, primarily driven by explosive medical cost increases. No-fault and tort states have also converged across many domains af

There are seemingly endless uncertainties in life. One thing is almost certain for Medicare beneficiaries; you will face an unexpected health event. In the Medicare environment there are only really two ways in which you can eliminate the risks imposed by original Medicare coverage. In this book I outline how these options emerged in legislative history, their comparative strengths over all other plans in the market, and the practical steps you can take to use those options to your advantage.

Insurance Settlement Secrets Step By Step Guide To Get Thousands Of Dollars More For Your Auto Accident Injury Without A Lawyer By Matheson MacKinnon This book provides a behind-the-scenes look at how insurance companies process automobile accident injury claims. Knowing how insurance companies process these claims can make the difference of receiving thousands of dollars more for your Insurance settlement Written in plain English, the book gives readers all the tips they need to ensure they receive the settlement they deserve. Written by an insurance company insider who has worked in the industry for years and negotiated hundreds of injury settlements. Readers will learn: Steps to take if they are injured in a motor vehicle accident. How to deal with insurance companies when they call. How to take the advantage against the insurance company. What medical information is crucial to your claim. How to push the same buttons an experienced lawyer would push. When and how to negotiate for a fair settlement. Insurance Settlement Secrets shows readers how they can do all of this themselves without hiring an expensive lawyer. Publication Date: Aug 04 2008 ISBN/EAN13: 1551806908 / 9781551806907 Page Count: 216 Binding Type: US Trade Paper Trim Size: 6 x 9 Language: English Color: Black and White Related Categories: Law / Personal Injury

Insurance companies make billions of dollars by minimizing soft tissue injury claims. They are highly skilled at using strong tactics to accomplish this goal. Many individuals who suffer from injuries related to automobile, semi trucks, or motorcycle accidents often realize this far too late. Now, seasoned personal injury attorney B.J. Kelley draws from decades of experience to provide anyone suffering from an accident with an effective plan of action to manage the claim process. Soft Tissue Injuries and Hard Ball Tactics: Dealing With Soft Tissue Injuries and Insurance Companies is a straightforward, step-by-step how to manual to help anyone overcome the daunting hurdles that insurance companies put forth to minimize personal injury claims. The average person is typically not equipped to deal with the carriers on their own. In fact, many of those who incur accident-related injuries simply believe they are just a little sore and expect to improve within a few days. However, there is often a delay in the onset of soft tissue pain so that the pain doesn't present until well after a person has foregone an attorney's counsel and made statements that indicated that all was well. Regrettably, this all-too-common course of events may work to your disadvantage when ultimately filing a soft tissue claim. To avoid pitfalls of this nature, Kelley clearly maps out every aspect of this all-important scenario. The book first details the motivations of the insurance companies. It then lays out the carriers' standard procedures and discusses why your own company won't necessarily help you after an accident. The author then itemizes the do's and don'ts you should consider after you've been in a wreck, from calling the police to hiring an attorney. He then defines a soft tissue injury, and the reasons the injury may not be immediately evident after a collision. The book also discusses medical treatment, the challenges of soft tissue injury cases, and what to expect from your attorney during the course of your case. When it comes to soft tissue injuries, information will give you the crucial power you need to handle your claim, and get the treatment to which you are entitled for as long as you may require it. Clear, concise, and indispensable, Soft Tissue Injuries and Hard Ball Tactics: Dealing With Soft Tissue Injuries and Insurance Companies can help ensure that the pain of an accident can be minimized in every way. Read it-and reap the coverage you have coming.

How well versed are you in marine insurance? It may not be a field of study you think about very often, but it is crucial for anyone in the shipping industry. Marine insurance law may seem complicated, but it can be understood with a simple introduction to the basic concepts.

Marine insurance expert Bahaeddin Saffarini provides exactly that in his new book, The Marine Insurance Handbook. He covers English maritime law and the many articles and clauses that relate to marine insurance. Saffarini includes everything a marine underwriter or claims manager needs to know to do his or her job.

Saffarini focuses on cargo and hull insurances, as well as information about reinsurance practices and marine loss adjustment.

Saffarini outlines the articles of the Marine Insurance Act 1906, which he calls the bible of marine insurance. He brings insurance law into the modern day with a comparison of the 1982 and 2009 cargo clauses.

He also includes information about fraud, letters of credit, and protection and indemnity clubs. Marine insurance can be confusing owing to the many different types of vessels and commodities involved, but Saffarini makes it easy to understand by condensing all the information into this simple guide.