Mansell, Engel & Cole

denied insurance claims Archives

Federal court finds that crime insurance covers phishing attacks

Should your crime insurance policy cover computer crimes? Not long ago, both the Second and Sixth Circuit courts of appeal ruled that phishing-related losses are covered. Now, the Eleventh Circuit has also found that phishing losses are covered by a crime policy that includes "fraudulent instructions."

Is a jumbo, decorative beach ball an amusement device?

It all happened at an event called "RumFest" in another state. A pair of local night clubs that were sponsoring the event put jumbo-sized, decorative inflatable beach balls in a fountain pond. They were never intended to be used as actual balls but merely to lend ambiance, according to the night clubs.

What does it mean to say a claim denial was in bad faith?

If your insurance claim was denied in bad faith, you could win extra damages in a lawsuit. In addition to the cost of the loss you were claiming, you could be awarded compensation for any other financial losses caused by the bad faith of the insurance company, for emotional distress caused by the misconduct, and for any embarrassment or loss of reputation you suffered due to the improper claim denial. In some cases, you may be eligible for punitive damages, which are meant to punish bad actors.

What is the purpose of uninsured motorist coverage?

First of all, let’s clarify those acronyms. We are referring to UM and UIM, which are commonly used shorthand designations relevant to automobile insurance coverage. They come into play when a driver involved in an accident lacks sufficient coverage to fully compensate another motorist.

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