If litigation does subsequently take place, after the close of pleadings each party must disclose all documents relevant to the issues in question. There are various exceptions to that rule, particularly relating to privilege. The involvement of the solicitor is imperative as, first, all communications between the insurer and his solicitor will be privileged provided they are confidential and they are written to or by the solicitor...more
If solicitors are to be instructed at an early date, the insurer will probably have the best chance of maintaining privilege at a later date. The involvement of the solicitor in cases of potential fraud is also critical in that he will have the clearest view of the evidence needed to prove the elements of fraud if the matter is litigated. It should be the solicitor who takes the statements from the witnesses, including the police,...more
As part of this investigation it is also important to investigate the past history and habits of the directors of the company. For example, have any of the directors been involved in bankruptcy or insolvency? Do they have criminal convictions or even any particular personal expenses to be funded? Whilst a lot of the routine work can be done through public records such as those available at Companies House, it may also be necessary at this stage to instruct a private investigator. - Obviously, documents held by the assured can help the loss adjuster in this investigation and a nice balance has to be reached when deciding how best to deal with the assured in the particular circumstances. Arson is, of course, an insured peril under most ARPI policies. It is only excluded if it is self-induced. Therefore, the assured must be treated fairly until the evidence clearly points to his involvement. It has to be a matter of judgement for each insurer as to the extent to which it warns the assured of its suspicions. From a litigation standpoint, it would no doubt be beneficial to obtain an early signed statement from the assured. However, many insurers may feel more comfortable...more
As soon as the evidence has been gathered the claims manager should call a meeting of his team to decide whether the evidence justifies rejecting the claim (which has already been made by Rankin Manufacturing Ltd.) or whether, despite the strong indications of arson, there is insufficient evidence to confirm the loss as self-induced....more
Safety is still not an assurance even with the availability of travel insurance coverage in travelling out of a province, according to an industry representative. The medical facility you are transacting with may or may not accept payments directly from the insurance company in situations like this while you're in one of your travels, based on a...more
Auctions Online Buyers around the world, rejoice! Purchasing those hard-to-find items has become so much easier with the ease of participating in auctions online. Local auction houses just can't possibly have access to the latest designer fashions, newest tech gear, or classic vintage goods. As more homes around the world gain access to the internet, the popularity of online auctions will just continue to grow.Before the age of virtual shopping carts, it was almost impossible to find imported products or obscure brand names. Now anything from the upstart to the prestige can be found with the simple click of a button! Auctions online are a great deal because of the fact that manufacturers and retailers save money on physical storefronts and advertising, and can then pass those savings on to the customer. Since many people already bank online, they prefer the convenience of making a purchase without ever having to leave the house, write a check, or battle with traffic. Since the smart shopper can easily compare prices and products online, there is little to no risk of getting a bad deal.The best part is, shopping and auctioning online means that there are no aggressive...more
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Obtaining title insurance is a universal requirement for almost every mortgage and remortgage. While the expense is usually minimal compared to the overall expense of the property itself, it is important to understand what title insurance is and how...more
It is recommended that you get trailers for sale from a private dealer instead of from more public places like auctions or the Internet. You should examine the used trailers very well before purchasing them as there are possibilities of them having...more
Maybe you have observed there are quite a lot of those who remain with their car insurer for a long time? A natural assumption anyone could give is they could have provided good rates and insurance conditions with them. However, you will be amazed to...more
All people that work within any type of car industry need to make sure that they are fully covered in the event of an accident. Taking out the right trader's policy could potentially end up saving your business from being ruined in the...more
For those who currently have an insurance representative it will ordinarily be better to simply insure your van using them, but if you are planning to dig up the lowest rates this may not be the optimum strategy. Indeed, you will most likely want to...more