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Apex Specializes in Law Enforcement Liability Insurance.
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Do you own a business and have EPLI insurance? There are common exclusions in Employment Practices Liability Insurance (EPLI) that every business owner needs to be aware of. Don't be caught off guard by the limitations of your policy. Tap into our expertise on EPLI and arm your business against complex lawsuits. Visit our recent blog post to gain insights: https://lnkd.in/gYDiafiv #EPLIInsurance #InsuranceExclusions #NewYorkInsuranceLaw
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Employers' Liability Insurance: Definition, Coverage, Limits Employers' liability insurance is an insurance policy that handles claims from workers who have suffered a job-related injury or illness not covered by workers' compensation. A type of liability insurance, it can be packaged with workers' compensation to further protect companies against the costs associated with workplace injuries, illnesses, and deaths. https://lnkd.in/gBw8sd5
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Insurance Ireland welcomes announcement from Minister Calleary on Reforms in Personal Injury Claims Resolution Insurance Ireland welcomes the statement from Minister of State for Trade Promotion, Digital and Company Regulation Dara Calleary T.D., on the extension of the Injuries Resolution Board's (formerly PIAB) mediation service to public liability personal injury claims. Minister Calleary's announcement of the extension of mediation services marks a significant milestone in the ongoing efforts to enhance the efficiency and fairness of the claims resolution process, and reflects the Government’s commitment to the Action Plan for Insurance Reform. The introduction of mediation for workplace accident claims late last year has already proven successful, with nearly 40% of claimants expressing willingness to engage in the mediation process. Mediation provides a very useful avenue for resolution for claimants and respondents alike, offering a swift, cost-effective and mutually beneficial alternative to traditional litigation. Litigation is typically the costliest and slowest method of claim settlement, usually incurring significant legal costs which can make up a majority of the claim value. By expanding mediation services to public liability injury claims, the Injuries Resolution Board can assist in addressing a broader spectrum of issues, including claim value, extent of injury, and contributory negligence, thereby fostering a more equitable and transparent claims resolution framework. Mediation provides the Injuries Resolution Board with the ability to take on a significant number of new cases, including those where liability is not agreed, allowing these cases to avoid going straight to litigation. Minister Calleary's announcement comes on the heels of a landmark Supreme Court judgment affirming the legal validity of the Personal Injuries Guidelines, underscoring the importance of consistency and certainty in award determinations. This legal clarity paves the way for greater acceptance of the Injuries Resolution Board's assessments, driving further efficiencies and savings in both time and litigation costs. Speaking about today’s announcement from Minister Calleray, Moyagh Murdock, Chief Executive, Insurance Ireland said “Insurance Ireland and our members fully support the Government's mission to foster a more accessible, competitive, and sustainable insurance landscape. As the industry continues to evolve, we look forward to collaborating with policymakers and stakeholders to drive positive change and deliver tangible benefits to consumers and businesses across Ireland. The mediation process will lead to quicker resolutions and payments, ultimately providing a streamlined and efficient path resolving injury claims which will benefit claimants and consumers in general." #Insurance #Reform #InjuriesResolution Department of Enterprise, Trade and Employment Injuries Resolution Board Dara Calleary
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some points related to motor 3rd party insurance part 3: 1. In case of death arising out of a motor accident, all the 'legal representatives' of the deceased can file a claim petition before the MACT ( section 166 of mv act) . Based on various Supreme court and HC decisions ' legal representatives ' Is a wider term compared to legal heirs . As per the current legal position existing in relation to MACT cases , legal representatives include all the 'legal heirs + any other person who suffers on account of the death . compensation is payable under different heads namely loss of dependency, loss of consortium, loss of estate, medical expenses etc.. It's to be noted that all the legal representatives/ claimants need not be dependent on the deceased. compensation under loss of dependency head is payable only to legal representatives who were actually dependent on the deceased . for eg major and independent children , though legal representatives, may not be dependent on the deceased. MACT s may insist on proof of dependency in such cases . 2. MACT s are conferred with the power of a civil court as per section 169 of mv act 3 . For execution of the award , the decree holder can proceed as per the rules laid down in the civil procedure code. In addition , the MV act has another provision vide section 174 . As per section 174 of mv act , when an award is due from any person, the MACT s can issue a revenue recovery certificate to the district collector and the collector would recover the amount in the same manner as an arrear of land revenue . Insures can also follow this route for execution of awards , where recovery rights are granted . 4. Contributory negligence: when an injured/ deceased also contributes to the accident. It's in such cases ,where , But for the violation of law committed by the injured/ deceased , either the accident could have been averted or the impact could have been minimised , that the principle of contributory negligence could be invoked . contributory negligence, if proved , would result in appropriate deduction in the compensation. refer : supreme court judgement ' Muhammed Siddique vs national insurance company ' 5 . composite negligence: when there are two or more tortfeasors. ie if the injury to or death of a person is caused by the operation of 2 or more vehicles at a time , then it can be said that there was composite negligence . eg : A pedestrian was hit down by a speeding two wheeler . A car coming behind, also in excessive speed , ran over the pedestrian, leading to his death. In this case both the car and two wheeler are negligent and there is composite negligence of both the vehicles . As per various SC rulings , it's open for the victim to sue any one of the joint tortfeasors. The entire compensation will be fixed against him. But it's open for him to recover it from the other tort feasor through a separate proceeding. refer: khenyei vs new india assurance ( supreme court)
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Federal Court Strikes Down Adverse Insurance Ruling for Nursing Home Company A federal appellate court has reversed a lower court ruling that could have had far-reaching implications for COVID-19 liability insurance policies. At issue was a dispute between National Fire & Marine Insurance and Genesis, which owns approximately 400 nursing homes and assisted living facilities. Genesis purchased additional liability insurance in the fall of 2020 after COVID-19 wreaked havoc on nursing homes in the spring and summer. The policy came with a $3 million self-insured retention (SIR), requiring Genesis to pay the first $3 million in defense costs, settlements, or judgments before the insurance would provide relief. National Fire & Marine later filed suit, seeking a declaration that COVID-19 was not a single health care event and that each COVID-related claim against Genesis was subject to the separate $3 million SIR. Last year, a federal court in Pennsylvania granted summary judgment to National Fire & Marine on the issue. Under that ruling, Genesis' insurance would not apply to any COVID-19 claim until Genesis satisfied the $3 million SIR on each and every claim. Genesis appealed the decision to the U.S. Court of Appeals for the Third Circuit, which handed down its three-judge panel decision in late December 2023. In it, the Third Circuit ruled that the lower court should not have even considered National Fire & Marine's request for speedy summary judgment, saying the full extent of possible payouts by Genesis hadn’t become clear yet. The full decision can be found here: https://lnkd.in/ezfycHer
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Elevate Your Legal Practice: Mastering Insurance Law and Personal Injury In the dynamic world of law, mastering insurance law and personal injury cases is akin to navigating a complex maze. Each twist and turn presents an opportunity for legal prowess to shine. In this comprehensive guide, we delve deep into the intricate realm of insurance law and personal injury, offering invaluable insights, case studies, and negotiation strategies to empower legal professionals and students alike. Understanding Insurance Law: Insurance law serves as the cornerstone of protection for individuals and businesses against unforeseen risks and liabilities. By deciphering the intricate nuances of insurance law, attorneys can effectively advocate for their clients' rights and entitlements. Key Concepts in Personal Injury Cases: Personal injury cases encompass a broad spectrum of legal disputes arising from accidents, negligence, or intentional harm. By delving into key concepts such as duty of care, breach of duty, causation, and damages, attorneys can construct compelling arguments to secure favorable outcomes for their clients. Case Studies and Hypothetical Scenarios: Let's explore a hypothetical case study to illustrate the application of insurance law and personal injury principles in real-world scenarios: Case Study: Imagine a scenario where a pedestrian sustains severe injuries after being struck by a negligent driver. In this case, John seeks legal representation to pursue compensation for his damages. Legal Strategy: Upon thorough investigation, John's attorney strategically negotiates a favorable settlement offer to adequately compensate John for his losses. In the event of a stalemate in negotiations, the attorney prepares to escalate the matter to litigation, employing robust strategies to uphold John's rights in court. Negotiation Strategies and the Role of Litigation: Negotiation serves as a cornerstone of dispute resolution in insurance law and personal injury cases. However, in instances where negotiations falter, litigation becomes paramount. Attorneys must adeptly navigate the litigation process, advocating for their clients before judges and juries. Conclusion: In the intricate landscape of insurance law and personal injury, mastery lies in the ability to navigate complexities with precision and expertise. By embracing a strategic approach, backed by a deep understanding of legal principles, negotiation strategies, and the role of litigation, attorneys can champion their clients' rights with confidence and conviction. By integrating these invaluable insights and strategies into your legal arsenal, you can embark on a journey towards unparalleled success in insurance law and personal injury advocacy.
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Why Calling the Police Matters: Amidst the aftermath of a motorcycle accident, emotions can soar, and clarity can be elusive. However, one decision stands out in significance: whether to summon law enforcement. Documenting the Incident: Placing a call to the police ensures that the accident is meticulously documented in an official report. This report serves as a repository of critical information, encompassing the crash's specifics, statements from involved parties & witnesses, and any issued citations. Such documentation emerges as pivotal evidence in insurance claims & legal proceedings. Establishing Fault: In Florida's realm of motorcycle accident cases, pinpointing fault assumes paramount importance. The police report furnishes an impartial assessment of the accident, furnishing a cornerstone for establishing fault. This insight proves invaluable when engaging in negotiations with insurance entities or embarking on legal pursuits to secure compensation for damages. Adhering to Legal Requirements: Across numerous jurisdictions, including Florida, state law mandates the reporting of certain accident types to law enforcement. Neglecting to adhere to these stipulations could usher in legal ramifications. Initiating contact with the police ensures alignment with these mandates, safeguarding your legal interests. Factors to Consider: While enlisting police assistance is generally advisable post-motorcycle accident, discernment may be warranted under specific circumstances. Consider the following facets before making your decision: Severity of Injuries: If the accident yields severe injuries or fatalities, immediate outreach to 911 for emergency medical assistance and police intervention is imperative. Preserving life and facilitating medical care assume precedence over all other considerations in such scenarios. Property Damage: Even in the absence of injuries or with minor ones, significant property damage might necessitate police involvement. Documenting the extent of damage to vehicles and properties can fortify your insurance claim and furnish protection against potential disputes. Disputes or Conflicting Accounts: In scenarios marked by disputes over fault or conflicting narratives of the accident, involving the police can furnish an objective assessment of the situation. This, in turn, can elucidate the circumstances encircling the crash & pave the way for resolution. Insurance Requirements: Scrutinize your insurance policy to ascertain any reporting prerequisites subsequent to a motorcycle accident. Certain policies may stipulate the imperative to report the incident to law enforcement within a defined timeframe to qualify for coverage. Conclusion: In the aftermath of a motorcycle accident in Florida, the decision to involve law enforcement holds profound implications. While advocating for police engagement to document the incident & establish fault is generally prudent, individual circumstances may warrant judicious evaluation.
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Hammer Injury Law is deeply concerned about the ongoing discussions of 'reform' in Alberta's auto insurance industry. Recent reports show that since 2020, the industry has seen profits of $2.6 billion, far exceeding the benchmark target of 7%. Despite this, the Insurance Bureau of Canada (IBC) is pushing for Alberta to adopt a model similar to New Jersey's no-fault system. We believe it's crucial to examine what these proposed reforms really mean for Albertans. Moving to a no-fault insurance system could severely limit the rights of injured individuals. It's not just about limiting medical benefits or challenging decisions; it's about protecting the fundamental rights that Albertans currently have. Under a no-fault system, accountability for bad drivers diminishes, and the injured parties may find themselves without the necessary support and compensation they deserve. We stand for the rights of injured Albertans and oppose any reform that undermines these rights. Let's shift the focus from insurance industry profits to the well-being and justice for those impacted by road accidents. Join us in this conversation and help protect the rights of all Albertans. To learn more, visit https://fairab.ca/
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Employers’ liability insurance can make all the difference in helping your business stay resilient amid workplace accidents and reduce the fallout of associated lawsuits. https://lnkd.in/dWGSrAPv #riskmanagement #businessinsurance #professionalinsurance #turneragencyinc #turneragyinc #employerliability
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📢 Preferra Insurance Company RRG Takes Legal Action Against NASW “Preferra’s first obligation is to the social workers and other behavioral health professionals we protect with professional, general and cyber liability insurance,” said Preferra Board President Dr. Richard Jones. The legal complaint filed by Preferra outlines numerous ways NASW has, through the control of its affiliates ASI and NASWIC, harmed social workers, including by refusing to pay insurance claims NASWIC is contractually obligated to pay, and attempting to funnel more profits to NASW while blocking Preferra’s efforts to pay dividends to its policyholders. The lawsuit also details how ASI has misused Preferra policyholder information, attempting to insert itself into the relationship between Preferra and its policyholders and interfere with the policyholder application, renewal and claims processes. https://hubs.la/Q02Rq7sN0 #ProtectingSocialWorkers #PreferraCares #SocialWork
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