Insurance

AuthorStanton T. Mathews/Anoush Lancaster
Pages429-458
INSURANCE
13-1
CHAPTER 13
INSURANCE
§131:00 BREACH OF INSURANCE CONTRACT
§132:00 INSURER’S BREACH OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING
§133:00 DECLARATORY RELIEF
§131:00 BREACH OF INSURANCE CONTRACT
§1:10 Def‌inition
§1:20 Elements
§1:21 Valid Insurance Contract
§1:22 Performance by Insured
§1:23 Breach of Insurer’s Duty
§1:24 Resulting Damages
§1:30 Authorities
§1:31 Valid Insurance Contract
§1:31a Offer and Acceptance
§1:31b Effective Date
§1:31c Insurable Interest
§1:31d Cancelation and Recission
§1:32 Insured’s Performance
§1:32a Payment of Premium
§1:32b Notice of Claim
§1:33 Breach of Insurer’s Duty
§1:33a Duty to Indemnify
When Duty Arises
Burden of Proof
Covered Peril Must Be Proximate Cause of Loss
Exclusions
Genuine Dispute
§1:33b Duty to Defend
Scope
When Duty Arises
Exclusions
Costs
§1:33c Policy Interpretation
General Rules of Construction
Scope of Coverage/Exclusions
Severability Clause; Intentional Acts
§1:34 Resulting Damages
§1:40 Remedies
§1:50 Statute of Limitations
§1:60 Aff‌irmative Defenses
§1:70 Related Causes of Action
§1:80 Form Complaints
INSURANCE
California Causes of Action 13-2
§132:00 INSURER’S BREACH OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING
§2:10 Def‌inition
§2:20 Elements
§2:21 Insurance Contract
§2:22 Duty
§2:23 Breach
§2:24 Causation and Damages
§2:30 Authorities
§2:31 Insurance Contract
§2:31a Contractual Liability
§2:32 Duty (To Act in Good Faith and Deal Fairly With Insureds)
§2:32a To Whom Duty Is Owed [Proper Plaintiffs and Standing to Sue]
Insureds
Trustee for Bankrupt Insured
Non-Insureds
Designated Benef‌iciaries
Third Party Claimants
Assignees
§2:32b Who Owes Duty [Proper Defendants]
§2:33 Breach (Bad Faith or Unfair Treatment of Insureds)
§2:33a First Party Claims (Brought by Insured)
§2:33a.1 Failure to Reasonably Investigate Claim
Thoroughness of Investigation
Fair Claim Settlement Regulations
Failure to Determine Coverage
Insured’s Failure to Cooperate
Notice of Claim Required
Fraudulent Claims
§2:33a.2 Unreasonable Failure to Pay Claim
§2:33a.3 Other Abusive Conduct or Practices
§2:33b Third Party Claims (Brought Against Insured)
§2:33b.1 Failure to Conduct Reasonable Investigation of Claim
§2:33b.2 Failure to Defend
Potential for Coverage
Insurer’s Knowledge of Request for Defense
Insured’s Harmful Acts
§2:33b.3 Failure to Settle Claim
Likelihood of Recovery Beyond Limits
Unreasonable Refusal to Settle
What Constitutes Reasonable Offer
Evaluation of Settlement Demand
Proximate Cause
Workers’ Compensation Claims
Timely Tender of Policy Limits
§2:33b.4 Other Abusive Conduct or Practices
§2:34 Causation and Damages
§2:34a Attorney’s Fees
§2:34b Property Loss
§2:34c Loss of Future Earnings
§2:40 Remedies
§2:50 Statute of Limitations
§2:60 Aff‌irmative Defenses
§2:70 Related Causes of Action
§2:80 Form Complaints

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