Insurance Issues – Contamination – Part IV

Insurance Issues – Contamination – Part IV

by statefarminsurance.maryland Insurance Issues – Contamination – Part IV The assured argued that “contaminate” meant introducing foreign sub­stance thus effectively creating a different substance. It conceded, however, that a product is also referred to as contaminated when the foreign substance merely injures its usefulness without affecting the original physical character­istics. It was argued that this created an ambiguity and therefore the policy should be read in favour of the assured. However, the court decided that if contamination had two equally familiar meanings then the clause excluded loss caused by the substance being materially altered by contamination and also where the usefulness of the property has been affected by the introduction of a foreign substance, and found against the assured.   It is often a fine distinction to draw between whether the proximate cause is in fact the contamination of the insured property or the introduction of the foreign substance which may be caused by some accidental event—hence, the addition of the provision to some contamination and pollution clauses as referred to above. In the the case of Raybestos—Manhattan Inc. v. Industrial Risk Insurers (1981), the assureds heptane tank was mistakenly filled with fuel oil creating a mix of fuel oil and heptane resulting in damage. The court found that, although contamination was excluded, the proximate cause of loss was in fact the unintentional filling of the tank with the wrong substance, which was not excluded even though the cause produced a loss by contaminating the tank.   Some of the contamination exclusions also make reference to a change in colour, flavour, texture or finish or, alternatively, it is an...
Insurance Issues – Civil War – Part II

Insurance Issues – Civil War – Part II

by Hugo-90 Insurance Issues – Civil War – Part II Finally, when dealing with the character and scale of the conflict, was it necessary for each faction to hold a specific portion of territory? Probably not. although it was certainly a factor to take into account together with:   – the number of combatants;   – the number of casualties, military and civilian;   – the amount and nature of the armaments deployed;   – the relative sizes of the territory occupied by the opposing sides;   – the extent to which it is possible to delineate the territories as occupied;   – the degree to which the populace as a whole is involved in the conflict;   – the duration and degree of continuity of the conflict;   – the extent to which public order and the administration of justice have been impaired;   – the degree of interruption to public service and private life; whether there had been movement of population as a result of the conflict; and   – the extent to which each faction purports to exercise exclusive legislative administrative and judicial powers over the territory which it controls.   Did, therefore, the circumstances existing in January 1976 at Lebanon amount to a civil war?   The court decided that no faction was engaged in a struggle to seize power by violence as at that date. Partition was not a live political issue and the institutions of state were not under violent attack.   There was not a concerted effort to change the constitution by force, and therefore civil war did not exist in its...
Health Insurance Plan Reform Is Still Divisive

Health Insurance Plan Reform Is Still Divisive

by Zartiex Health Insurance Plan Reform Is Still Divisive According to the Kaiser Family Foundation, the Obama administration’s healthcare reform legislation is still sparking a variety of opinions. The organization, which tends to be sympathetic to the law, recently released its final poll before the November midterm elections. It consists of 1,200 adults surveyed in early October. What were their findings? As expected, opinions continue to be divided. However, the figures have flip-flopped. This is interesting, since the bulk of the law has yet to be implemented. The few features that came into effect in late September (i.e. forbidding health insurers from denying coverage to children with pre-existing conditions) are generally popular with the American public. The ramping up of political campaigns may be to blame. Highlights of the poll: 44 percent of the respondents are opposed to the law. This is an increase from 40 percent last month. 42 percent support the legislation, down from 49 percent in September. Just 10 percent of the respondents consider health insurance reform to be the most important issue in the November 2nd elections–jobs and the economy are more pressing concerns for the majority. However, the most likely voters polled by Kaiser are leaning towards having negative views. Still, they were not found to be significantly likely to base their votes for Congress solely on that issue. Those against the law have several reasons for their opposition: The federal government recieves too much control over health care. The law costs too much and will add to the budget deficit. It is unfair to the middle class, in favor of the poor. Supporters...
Nice Insurance Car Company photos

Nice Insurance Car Company photos

A few nice insurance car company images I found: Birdseye view of Broadway looking north from Eighth Street, Los Angeles, ca.1913 (CHS-2472) Image by Fæ Wikimedia Commons image page Description Description ”Birdseye view of Broadway looking north from Eighth Street, Los Angeles, ca.1913 Photograph of a birdseye view of Broadway looking north from Eighth Street, Los Angeles, ca.1913. Automobiles are parked along the curb. A few cars and fewer horse-drawn wagons and carriages share the street with 2 streetcars. American flags fly from several buildings including the roof of the 12-story block building (Los Angeles Investment Building (later Chapman Building) and Morosco Theatre) at center. Pedestrians walk along the sidewalks. A clock (8 58) stands on the sidewalk at left. Legible signs include: banner hung across street "Pastor Russell, Temple Auditorium, Friday, June 13th, 8pm", streetcars "Pico Heights", "West 11th St.", "Pantages, unequaled vaudeville, American artists, popular matinees", "Walter P. Story Building", "Mullen & Blu[…] clothing", "644, 646, California Furniture Company", "Lyon-McKinney Smith Co.", "Morosco Theatre", "Garrick Theatre", "Broadway"…, "Model lu[…] […]oom", "Colburn’s […] furriers", "Benham Company, Navajo rugs, art leather, woven baskets, souvenirs", "Special sale on all goods this month"…, …"special prices"…, "Indian Room", "For rent"…, "Mirhan & Co., oriental rugs", …"tern Outfitting Company, adjoining Pacific Electric […], Furniture Co"…, …"rug store", …"avnow’s", "Ca"…, "Hotel entrance", …"814, Victor Shop, 814, talking machines, records, supplies", "Musical Record Company", "Vehicles must not […] here and next corner", "Dr. Beebe", "Harry B. Goodman Co.", "Law office, Powers, Marioneaux & Lady", "Emma M. Carson, M.D., physician & surgeon", "Dr. F.M. Hunt, dentist", "Guy […]ly, M.D."…, "T.H. Unland, dentist", "Devoline Institute, Dr. Francis...
Cool Car Insurance images

Cool Car Insurance images

Some cool car insurance images: Operation Quaterdeck – Samuel Jones’s lorry Image by HM Revenue & Customs A Somerset couple jailed for a total of seven and a half years for tax fraud must pay almost £900,000 or serve an additional three and a half years in prison. Samuel Jones, 54, and his wife Lorraine Jones, 48, had £1.4 million in the bank, a fleet of high-performance cars and a £1.6 million property portfolio from the proceeds of their tarmac business when they were arrested by HM Revenue and Customs (HMRC) officers. They had failed to pay Income Tax, National Insurance contributions and VAT for a decade. More info here bit.ly/17v18zw Geico Insurance Gecko Car Image by JeepersMedia Geico Insurance Gecko Car, 8/2014 by Mike Mozart of TheToyChannel and JeepersMedia on...