Insurance 101 – Chapter 9 – Volume 115 – Making the Decision to Defend

Making the Decision to Defend

Insurance is considered a quasi-public utility, since modern industry and business could not effectively operate without it. The courts recognize the importance of insurers to the community as a whole and, therefore, find a need to more stringently control the actions of insurers. As illustrated by the decision in Egan v. Mutual of Omaha Insurance Co., 24 Cal. 3d 809, 819, 157 Cal. Rptr. 482 (1979), adjusters must always conduct a thorough investigation of every claim before making a decision to deny, or the insurers will find themselves forced to pay claims that are not covered because a court concludes the insurer acted in bad faith.

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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