The Complete Book of Insurance
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We all want the best coverage with the least expensive rates. However, finding the right insurance company and the right agent is actually your second step to making it happen. Your first step is to understand the type of coverage you truly need. Let The Complete Book of Insurance guide you through all of your major insurance needs. Library Journal Attorney and former insurance underwriter Zevnik here focuses on property and casualty insurance, including automobile, homeowners', renters', and small business owners' policies. Health, life, and disability insurance are also discussed briefly. Zevnik begins with the history, economics, and structure of the insurance industry, outlining each type of insurance and explaining the common elements of the policies. He emphasizes what is typically covered and what is typically excluded from coverage, with extensive discussion of the meaning of the terminology found in insurance policies. The information is presented logically and clearly, and while this is not an engaging cover-to-cover read, it will be useful to readers trying to understand a policy they own or one they contemplate purchasing. Recommended for public libraries where there is interest in self-help consumer titles.-Joan Pedzich, Harris Beach LLP, Rochester, NY Copyright 2004 Reed Business Information.
ForewordviiIntroductionxiPart IInsurance and YouChapter 1The Role of Insurance in the Economy3Brief History of the Business of InsuranceChapter 2The Structure of the Business of Insurance9Kinds of InsurersChapter 3The Marketing and Selling of Insurance15Independent AgentsCaptive AgentsDirect WritersRetail versus Wholesale BrokersGuaranty FundsChoosing What is Best for YouChapter 4Insuring Other Interests27Mortgages or Trust Deed HoldersAuto Lessors and LendersOther Secured PartiesAdditional Insured Interests under Liability CoveragesPart IIYour HomeChapter 5Homeowners Insurance37Property Coverages under Homeowners PoliciesInsured Capacity: Named InsuredsChapter 6Loss of Use and Additional Coverages57Loss of Use CoveragesAdditional CoveragesChapter 7Exclusions69Section 1 ExclusionsAdditional ExclusionsComparison ShoppingExclusions Added by Other InsurersChapter 8Conditions83Conditions Applicable to Property CoveragesDuties after LossLoss SettlementPolicy Limits and Insurance-to-ValueLoss to a Pair or SetAppraisalOther Insurance and Service AgreementsSuits Against UsOur OptionLoss PaymentAbandonment of PropertyMortgage ClauseNo Benefit to BaileeNuclear Hazard ClauseRecovered PropertyVolcanic EruptionPolicy PeriodConcealment or FraudLoss Payable ClauseChapter 9Liability Coverages99Insured Capacity IssuesInsured LocationsInsuring AgreementPersonal InjuryBodily InjuryProperty DamageDuty to Defend and Related IssuesDuty to IndemnifyMedical Payments CoverageAdditional CoveragesChapter 10Liability Coverage Exclusions115Motor Vehicle Liability ExclusionExpected or Intended InjuryBusiness ExclusionProfessional ServicesInsured's Premises not an Insured LocationWarCommunicable DiseaseSexual Molestation, Corporal Punishment, or AbuseControlled SubstancesContractual LiabilityOwned PropertyRental PropertyWorkers CompensationNuclearBodily Injury to InsuredsMedical Payments Coverages ExclusionsPersonal Injury Liability Coverage ExclusionsExclusions Added by Other InsurersChapter 11Liability Coverage Conditions131Limit of LiabilitySeverability of InsuranceDuties after OccurrenceMedical Payments CoverageSuits Against UsBankruptcy of an InsuredOther InsurancePolicy PeriodConcealment or FraudPersonal Injury Coverage ConditionsConditions that Apply to All CoveragesChapter 12Choosing Liability Limits143Structuring Your Liability Insurance LimitsPart IIIYour AutoChapter 13Personal Automobile Policies149Structure of Personal Auto PoliciesInsurable InterestPersonal Auto Policy DefinitionsLiability Coverage ProvisionsChapter 14Auto Liability Coverage Exclusions161Family MembersIntentional Injury or DamageOwned or Transported PropertyRented, Used, or Cared-For PropertyBodily Injury to Insured's EmployeesPublic or Livery ConveyancesAuto Business ExposuresMaintenance or Use of Vehicles in Business ContextUse of Vehicles without PermissionNuclear PerilMotorcycles and Off-Road VehiclesOther ExclusionsOther CommentsChapter 15Auto Liability Coverage Conditions169Limit of LiabilityOut-of-State CoverageFinancial ResponsibilityOther InsuranceChapter 16Medical Payments Coverage173ExclusionsAuto Medical Payments Limits of LiabilityChapter 17Uninsured & Underinsured Motorist Coverage183CoverageDefinitionsExclusionsArbitrationLimit of Liability ProvisionsOther Underinsured Motorist Coverage ProvisionsChapter 18Physical Loss or Damage Coverage Provisions191Additional CoveragesExclusionsConditionsChapter 19Life, Credit Life, Disability, and Health Coverage209Life InsuranceCredit Life InsuranceDisability Income InsuranceHealth Insurance Policies and Managed Care PlansCOBRA RightsGlossary233State Insurance Commissioners245Index265About the Author273
