Duties of the Insurer
An insurer has an obligation not to impair the right of the insured to receive the benefits of the insurance agreement. The insurer must give at least as much consideration to the insured’s interests as it does to its own. Egan v. Mutual of Omaha, 24 Cal. 3d. 809, 157 Cal. Rptr. 482 (1979). The court in Egan imposed on the insurer an obligation to protect the interests of the insured in the benefits of the policy. To do so the California Supreme Court concluded that it is “essential that an insurer fully inquire into possible bases that might support the insured’s claim.”
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