APPENDIX 7 FORM LETTER: RESERVATION OF RIGHTS LETTER TO INSURED—THIRD-PARTY CLAIM
Jurisdiction | United States |
(Date) Re: ___________ | Insured: ______________ |
Policy No: ___________ | Claim No: _____________ |
Date of Loss: _________ |
Dear ___________________:
The [ABC Insurance Company] acknowledges receipt of your notice of a claim under the above captioned policy of insurance.
The policy captioned above, although it insures you against the risk of loss by many perils, does not insure you against the risks of loss by all conceivable perils faced by your property. Certain perils and property are, in fact, specifically excluded from the coverage provided by your policy.
Your notice of loss indicates that the claim presented against you alleges that you intentionally battered the claimant. Intentional acts are specifically, clearly and unambiguously excluded from coverage.
Your insurer recognizes its obligation to thoroughly investigate each loss reported to it to determine whether there may exist facts that will allow coverage to be afforded to you under the terms of the policy of insurance. The [Company] will be unable to make a decision whether to accept or reject your claim until it has completed a thorough investigation.
The investigation will begin immediately. To do a thorough investigation we will need your assistance and cooperation.
Your insurer feels obligated to explain to you that although it will be investigating the facts and circumstances surrounding the claim you have reported with a view to find facts that will allow it to pay indemnity to you under the policy, the fact of...
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- California Insurance Law Deskbook
- FRONT MATTER
- NOTE ON THE TEXT
- TABLE OF CONTENTS
- ABOUT THE AUTHOR
- INTRODUCTION
- CHAPTER 1 THE HISTORY OF INSURANCE
- CHAPTER 2 THE CONTRACT OF PERSONAL INDEMNITY
- CHAPTER 3 CONSTRUCTION OF INSURANCE CONTRACTS
- CHAPTER 4 DIFFERENCES BETWEEN PROPERTY AND LIABILITY POLICIES
- CHAPTER 5 RESCISSION OF INSURANCE POLICIES
- CHAPTER 6 DUTIES OF THE INSURED AND THE INSURER
- CHAPTER 7 CONDITIONS, WARRANTIES, AND EXCLUSIONS
- CHAPTER 8 FORTUITY
- CHAPTER 9 TRIGGER OF COVERAGE
- CHAPTER 10 APPRAISAL
- CHAPTER 11 INDEPENDENT COUNSEL AND THE LAW OF UNINTENDED CONSEQUENCES
- CHAPTER 12 FRAUD AND FALSE SWEARING
- CHAPTER 13 SUBROGATION
- CHAPTER 14 "OTHER INSURANCE" CLAUSES
- CHAPTER 15 MOLD AND FUNGI
- CHAPTER 16 PUNITIVE DAMAGES
- CHAPTER 17 PREEMPTION AND THE POWER TO CONTROL INSURANCE
- CHAPTER 18 FEDERAL OR STATE COURT FOR DECLARATORY RELIEF
- APPENDIX 1 THE CALIFORNIA STANDARD FIRE INSURANCE POLICY
- APPENDIX 2 DEFINITIONS
- APPENDIX 3 INSURANCE FRAUD STATUTES
- APPENDIX 4 PROPERTY PROOF OF LOSS
- APPENDIX 5 AMENDMENT TO THE CALIFORNIA INSURANCE CODE
- APPENDIX 6 FORM LETTER: ADVISING OF RIGHT TO APPRAISAL
- APPENDIX 7 FORM LETTER: RESERVATION OF RIGHTS LETTER TO INSURED—THIRD-PARTY CLAIM
- APPENDIX 8 FORM LETTER: RESERVATION OF RIGHTS LETTER B—LONG FORM
- APPENDIX 9 FULL TEXT OF GARVEY V. STATE FARM
- TABLE OF CASES
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