Insurance 101 – Chapter 8 – Volume 13 – The law or Justice

The law or Justice

In E.M.M.I. Inc. v. Zurich American Insurance Co., 84 P.3d 385, 393 (Cal. 2004) the California Supreme Court, apparently rejecting its own,  well-established, rules of construction of insurance policies, re-wrote the wording of a jewelers block policy. In what appears to be a case of reasoning backwards to provide insurance coverage for a jewelry  salesman who was exceedingly stupid—he left his jewelry in his car with the keys in the ignition and the engine running to check on a clanking noise—only to have a thief jump in the car and drive away with the jewelry, the Supreme Court has compelled insurers to make their coverage more restrictive.

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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