Insurance Law Newsletters

Civil Rights

(Race Discrimination in Insurance Coverage)

Insurance Law> General Liability Insurance> Motor Vehicle Exclusions

(The Aircraft, Auto, or Watercraft Exclusion to the CGL Policy)

Policy Construction Supporting Coverage

An insurance policy may contain provisions that state when coverage will be forfeited or which perils are excluded from coverage. Such provisions may be valid and enforceable, if unambiguous.

Tie-in Arrangements

A "tie-in arrangement," also known as "insurance packing," in the insurance industry consists of a lender's extension of credit to a borrower on the condition that the borrower purchase certain insurance, usually from an insurer with close ties to the lender. The premium amounts for the insurance are usually added to the amount of the loan without the borrower's request or knowledge, and he may not find out about the tie-in arrangement until the lender presents the pre-prepared loan documents at the closing of the loan.

Underinsured and Uninsured Auto Coverage

Underinsured coverage refers to coverage available to an insured involved in an accident with a driver who has insufficient auto insurance coverage.