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- 1California Supreme Court Signals Broader Path to Sue Excess Insurers▼California Supreme Court Signals a Broadened Standard for Suing Excess Insurers
The California Supreme Court is signaling a shift toward a broader standard for policyholders seeking to sue excess insurers, according to legal commentary on the development. If the court formalizes the change, it could make it easier for insured parties to bring actions against excess carriers, a move closely watched by insurance litigators and businesses across the state.
- 2New IRDAI Rules Explained: No More Calls From Insurers●ಕಾಲ್ ಕೂಡ ಮಾಡೋಹಾಗಿಲ್ಲ | IRDAI New Rules Explained | Masth Magaa | Amar
New regulations from India's insurance regulator IRDAI are being explained for audiences in Karnataka, with the message that insurers and agents can no longer even make unsolicited calls to customers. Commentary in Kannada is walking viewers through what the rules change, how they restrict promotional calls, and what policyholders should expect from insurers going forward.
- 3Woman Pays Long-Term Care Premiums for 20 Years, Then Learns She Doesn't Qualify▼There Is a Gap Between Needing Long-Term Care and Qualifying for the Policy That Pays for It. She Spent 20 Years of Premiums Finding Out She Was Standing in It
A woman who paid premiums on a long-term care insurance policy for two decades discovered that when she finally needed care, she did not meet the policy's qualification requirements. Her story highlights a well-known trap in long-term care coverage: policies often require that specific criteria be met, such as needing help with a set number of daily activities, before benefits kick in, leaving policyholders paying in for years only to find themselves in the gap between needing care and qualifying for payment.
- 4Warren and Hawley Team Up to Probe Insurers Over Zero-Payout Claims●Warren and Hawley to Probe Insurers Over Zero-Payout Claims https://www.wsj.com/finance/warren-and-hawley-to-probe-insur
Senators Elizabeth Warren and Josh Hawley are launching a bipartisan investigation into insurance companies over claims that resulted in zero payouts for policyholders. The unusual pairing of a progressive Democrat and a conservative Republican signals cross-party concern that insurers are denying or underpaying legitimate claims. The probe could examine industry practices on claim denials and settlement tactics, and may lead to hearings or regulatory pressure on the insurance sector.
- 5Law firm publishes guide to AI insurance coverage●Keep Your AI On The Ball: A Policyholder’s Guide To Artificial Intelligence Insurance Coverage
New York law firm Pryor Cashman has published a policyholder's guide to insurance coverage for artificial intelligence, explaining how existing policies may or may not respond to AI-related risks and losses. The guidance walks businesses through evaluating whether their current coverage extends to AI tools, what exclusions to watch for, and how to negotiate better protection. It reflects growing demand from companies using AI who are unsure whether their insurers will cover AI-related liability.
- 6Nature-Based Solutions Could Save Insurers Billions▼‘Nature-Based’ Solutions Could Save Insurers and Policyholders Billions
A new report from Inside Climate News argues that 'nature-based' solutions—such as wetland restoration, mangrove protection and forest management—could save insurers and policyholders billions of dollars by reducing damage from floods, storms and wildfires. The findings suggest natural infrastructure can lower risk and premiums, and the topic is drawing attention as climate-driven disasters push insurance costs sharply higher worldwide.
- 7Colorado Supreme Court Rejects Coverage Rule for Insolvent Insurers●Colorado Supreme Court rejects "drop down" coverage for insolvent insurer
The Colorado Supreme Court has ruled against the 'drop down' doctrine, declining to require an insolvent insurer's excess policies to drop down and cover claims when the primary insurer cannot pay. The decision limits policyholders' ability to seek recovery from higher-layer insurers when a lower-layer carrier becomes insolvent, a ruling with significant implications for insurance coverage disputes in the state.
- 8Insurer Cancels 80-Year-Old's 24-Year Policy Over Missed Payments During Hospital Stay▼He Missed Two Premium Payments During a Hospital Stay at 80, and the Insurer Cancelled 24 Years of Coverage. A Form He Never Filled Out Would Have Stopped It
An 80-year-old man had 24 years of insurance coverage cancelled after missing two premium payments while he was in hospital. A standard form authorising automatic premium payments from a bank account — which he reportedly never filled out — would have prevented the cancellation. The case is drawing attention to how insurers handle lapses affecting elderly policyholders and the protection a simple payment authorisation can provide.
- 9Jamaican insurers race to clear Hurricane Melissa claim backlog●Insurance companies pushing to clear backlog of Melissa related claims -- IAJ Jamaica Gleaner https:// jamaica-gleaner.c
Jamaica's insurance industry, through the Insurance Association of Jamaica, is working to clear a backlog of claims left by Hurricane Melissa. Policyholders hit by the storm have been waiting on settlements for damaged homes and businesses, and the association says companies are pressing to process outstanding cases as quickly as possible.
- 10Allstate accused of leaving Idaho homeowners with storm roof bills▼Allstate Insurance leaves Idaho homeowners to pay for roof repair after wild storm
Homeowners in Idaho say Allstate is refusing to cover roof damage caused by a recent severe storm, leaving them to pay repair costs themselves. Local news coverage is drawing attention to the dispute between policyholders and the insurer over what the storm damage policies should pay for.