Grand Praire life insurance attorneys and those in Dallas. Garland, Mesquite, Richardson, and other places in Dallas County need to understand one of the exclusions found in almost all life insurance policies. That is the “Pilot Exclusion.”
The Texarkana Court of Appeals issued an opinion in 1989, in the case styled, “American Home Assurance Company v. Loretta Anne Brandt.”
Here are some of the facts:
Fort Worth life insurance attorneys and those in Weatherford, Mineral Wells, Springtown, Millsap, Brock, Aledo, and other places in Parker County would need to understand the suicide exclusion in life insurance policies.
It is typical for a life insurance policy to exclude suicide as an assumed risk. The Houston (14th District) Court of Appeals opinion in Parchman v. United Liberty Life Insurance Company, discussed a policy that excluded suicide as an assumed risk for two years from the date of the policy and provided a reduced benefit of the return of all premiums paid if death resulted from suicide within that period.
In another opinion, Southern Farm Bureau Life Insurance Company v. Dettle, issued by the Amarillo Court of Appeals, the policy provided: If the insured within two years from the date of the issue of this policy shall die by his own hand or act whether sane or insane, the liability of the Company shall be limited to an amount equal to the premiums actually paid, without interest.
Life Insurance Attorneys in Fort Worth, Weatherford, Grand Prairie, Dallas, and the rest of the State need to have some understanding of when a person is considered dead for life insurance purposes. Admittedly, it is not a situation that is going to occur very often, but is a situation where a little knowledge is necessary.
Stating the obvious: For the beneficiary of a life insurance policy to recover death benefits, the insured must be dead. Doubt may arise when the insured disappeared or when there is uncertainty over the identity of the dead body. There are many Texas cases that stand for the preceding statement.
Proof of the insured’s death may be aided by a legal presumption. After a person is absent for seven years, the law presumes the person to be dead. This is found in the Texas Civil Practice & Remedies Code, Section 133.001. It is short and says, “Any person absenting himself for seven successive years shall be presumed dead unless it is proved that the person was alive within the seven-year period.”
Insurance law attorneys in Fort Worth, Dallas, Mesquite, Garland, Richardson, Carrollton, Farmers Branch, Coppell, Southlake, and other areas in the DFW area need to keep up with general information regarding insurance. The Dallas Morning News ran an article in late July that would be informative regarding insurance rates.
The article tells us about recent rate increase initiatives by Farmers insurance Company.
Homeowners covered by Farmers Insurance will see their second premium increase this year, the company told state regulators Friday, planning to boost the cost of most policies in Texas by an average of 15 percent.
Grand Prairie insurance attorneys and those in Arlington, Fort Worth, Dallas, Mansfield, and other places in the DFW area have to know how to deal with an insurance company when a declaratory judgment action is filed.
The Texas Supreme Court issued an opinion in a case in 1999, that had it’s legal beginning from a declaratory judgment action. The style of the case is, Texas Farmers Insurance Co. v. Murphy. Here is the relevant information.
Mr. Murphy obtained homeowners insurance with Texas Farmers in 1993. Seven days later the home was ransacked and intentionally burned down. Mr. Murphy submitted a proof of loss claiming $115,000 for damage to the structure and $69,000 for damage to personal property.
Weatherford insurance lawyers and those in Aledo, Azle, Springtown, Hudson Oaks, Cool, Millsap, Brock, and other places in Parker County need to have a good understanding of declaratory judgment actions.
The Austin Court of Appeals issued an opinion in 1998, that was a declaratory judgment action. The style of the case is, Calderon v. Mid-Century Insurance Company of Texas.
Here is the relevant information:
Fort Worth insurance lawyers and those in Grapevine, Colleyville, Saginaw, Roanoke, and other places in the Tarrant County area need to have knowledge of the various coverages in an insurance policy.
There was a recent article on the internet that discussed this topic. It’s title was, “Beware of Common Holes in Homeowners Insurance.”
Earthquakes, unexpected deductibles, and flooding are just a few of the costs your homeowners policy might not cover. But if you’re like most Americans, you probably don’t realize it. According to the MetLife Auto & Home Insurance Literacy Survey, many homeowners are clueless about the ins and outs of their policies, which means they could easily end up paying a lot more than they expected after damage to their home.
Weatherford lawyers and those in Mineral Wells, Springtown, Aledo, Azle, Willow Park, Hudson Oaks, Millsap, Brock and other places in Parker County need to have an understanding of the Texas Deceptive Trade Practices Act.
One part of this Act that most attorneys do not realize is discussed in a case opinion issued by the San Antonio Court of Appeals in the case styled, Texas Farm Bureau Mutual Insurance Co. v. Rogers. Here are some of the relevant facts.
Texas Farm Bureau Mutual Insurance Co. (“Farm Bureau”), appealed from the jury’s verdict and award to Shannan Rogers and Cristen Bazan (“the Heirs”), in a suit involving a homeowner’s insurance policy. The Court reversed and rendered judgment that the Heirs take nothing.
Weatherford lawyers and those in Mineral Wells, Springtown, Aledo, Azle, Poolville, Cool, Millsap, Brock, and other places in Parker County need to have a good understanding of how Under Insured motorist coverage works. Good Morning America highlighted this topic in a story recently. Here is what the said.
The brother of a woman who was killed in car accident is accusing her insurance company of defending the person he said is her killer in an insurance legal dispute, including calling a witness to the stand against her.
Kaitlynn Fisher, called Katie by her brother and who had engineering degrees from Johns Hopkins University, died in a car accident on June 19, 2010 in Baltimore after another driver ran a red light. She was 24.
Insurance lawyers in Fort Worth, Arlington, Hurst, Euless, Bedford, Lake Worth, Saginaw, and other places in Tarrant County need to be tuned in to what looks like or constitutes insurance fraud. The Texas Penal Code, Chapter 35 deals with insurance fraud in the State of Texas. Also the Texas Department of Insurance has information that may be helpful for learning more about it.
The Associated Press ran an article in August 2012, that dealt with an example of insurance fraud:
The article tells us that a man who reported his father missing at a beach in New York was charged with insurance fraud and filing a false report several days after his father turned up alive in the State of South Carolina. This was following a massive air and water search that cost tens of thousands of dollars.
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