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|Subsidizing Student Health Insurance With Stipends - New Agency Guidance and Relief|
Mintz Levin Cohn Ferris Glovsky Popeo P.C.;
February 15, 2016, previously published on February 9, 2016On February 5, 2016, the Departments of the Treasury, Labor, and Health and Human Services (the Departments) issued guidance addressing the application of market reforms and other provisions of the Affordable Care Act (ACA) to student health coverage, and providing temporary transition relief from...
|Municipality Found 20% Responsible for Collision Where Public Transit Bus had Right of Way|
Jeremy Ablaza, David Elman; Borden Ladner Gervais LLP;
February 15, 2016, previously published on February 8, 2016On January 26, 2016, Madame Justice Roccamo released her reasons for judgment in Gardiner v. MacDonald, 2016 ONSC 602.
Douglas M. Palais; Vandeventer Black LLP;
February 12, 2016, previously published on January 2016Agreements between insurers and their appointed agents set forth the actual authority, as opposed to the apparent authority, of the agents. While commission schedules often change with some regularity, there are other portions of these agreements that agents should monitor on a regular basis.
|UPDATE - Legislation Relating To Risk Management Of Insurers And Insurance Holding Companies Signed by Michigan Governor Effective December 22, 2015|
Joshua K. Richardson, Paul D. Yared; Foster, Swift, Collins & Smith, P.C.;
February 10, 2016, previously published on February 3, 2016Our October 30, 2015 Newsletter reported on proposed legislation amending the Michigan Insurance Code to grant DIFS additional authority to ensure financial solvency of insurance companies doing business in Michigan. The legislation was signed by the Governor and became effective December 22, 2015.
|The European Council adopts the Insurance Distribution Directive|
GANADO Advocates; GANADO Advocates;
February 9, 2016, previously published on December 2015The European Council has formally adopted the EU Insurance Distribution Directive (formerly known as the Insurance Mediation Directive 2) (the “IDD”) on the 14th December 2015.
|Replacement Cost Coverage is Not Your Friend|
Daniel R. Sullivan; Gentry Locke Rakes & Moore, LLP;
February 4, 2016, previously published on January 2016Every business that owns or operates out of a brick and mortar location needs a commercial insurance policy for that building. This we can all agree on. But what happens when the insurance policy will pay out only after the policy holder replaces the destroyed property? What happens if the...
|‘Til Death Do Us Part: Avoiding Pitfalls Associated with Life Insurance Provisions in Family Law Matters|
Jan L. Bernstein, Thomas S. Novak; Sills Cummis & Gross P.C.;
February 2, 2016, previously published on January 2016A well drafted Matrimonial Settlement Agreement will contain language addressing appropriate security in case of death for all of the financial obligations included in the Agreement. These provisions often are focused on life insurance and can be complex. Without the right language, the security...
|Oklahoma Bill Mandates Market Survey of Shops|
Sutherland Asbill Brennan LLP;
February 2, 2016, previously published on February 1, 2016The Oklahoma legislature is considering a bill requiring insurers to conduct an annual market survey of motor vehicle repair and glass repair shop collision repair facilities. The survey would request information from repair shops on topics such as labor and material cost averages. Insurers would...
|Party Claims Coverage as Additional Insured Based on Oral Agreement with Primary Insured ... and Just May Get It!|
Robert B. Hawk; Carlock, Copeland & Stair, LLP;
February 1, 2016, previously published on January 19, 2016Will an oral agreement by your insured be enough to create coverage for a third party? The Seventh Circuit Court of Appeals says yes - in the right circumstances.
|First Circuit Souter Grant Coverage Despite Exclusion|
Nicholas C. C. Stewart; Carlock, Copeland & Stair, LLP;
February 1, 2016, previously published on January 22, 2016Former Associate Justice of the Supreme Court David Souter returned to his First Circuit roots and participated in an August 2015 ruling declining to uphold a policy exclusion where the injured person was employed by a contractor with no written contractual relationship to the insured. The...