Insurance 101 – Chapter 11 – Volume 19 – Silberg v. California Life Insurance Company

Silberg v. California Life Insurance Company

In Silberg v. California Life Ins. Co., 11 Cal. 3d 452 (1974), the insurer advertised an accident policy with the phrase “Protect Yourself Against the Medical Bills That Can Ruin You.” It issued an accident policy to Mr. Silberg. The policy excluded injuries covered by workers’ compensation. Silberg was injured while performing incidental services at his place of employment. His employer’s compensation carrier denied coverage. Mr. Silberg found himself with substantial medical bills which California Life also refused to pay. California Life claimed that no payments were required to be made until the question of workers’ compensation coverage had been resolved.

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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