Insurance 101 – Chapter 8 – Volume 6 – Exclusions

Exclusions

Dishonest Acts

Fraud by one insured does not necessarily bar a claim by any other insured who is innocent of the fraud unless, as in most states and most Insurance Services Office policies, the language of the clause specifies that if “an insured” or “any insured” commits the fraud, no insured may recover. In some instances it has been held that misconduct of one insured does not bar recovery by an innocent co-insured holding a separable
interest.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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