Questions about your individual insurance coverage should be directed to your broker or agent. However, if you have only one question or one concern that you would like to talk to with an impartial party, please contact one of the ACA`s insurance committee members and we would be happy to listen. The commission`s entire contact information is available at www.ACAcamps.org/volunteers/insurance. You will also find a list of ACA partners and business partners in the insurance industry and other useful information on risk management and insurance in www.ACAcamps.org. Disclosure obligation: If you take out an insurance policy, renew or change a policy, you have an obligation to disclose to the insurer any business you know or that you may know from a reasonable person, in the circumstances, that it is relevant to the insurer, if you accept the risk and if so, under what conditions. You cannot be diagnosed with a life-threatening disease. B, then ask for life insurance while keeping the diagnosis secret. In insurance, the insurance policy is a contract (usually a standard form contract) between the insurer and the policyholder, which determines the fees that the insurer must pay legally. In exchange for a first payment, called a premium, the insurer promises to pay for losses caused by watery hazards that fall within the language of insurance. The immediate case shows once again the dangers of the current complex structuring of insurance policies. Unfortunately, the insurance industry is addicted to the practice of constructing a condition or exception in the form of a Babel language tower in the policies.
We join other courts and deplore a trend that plunges policyholders into a state of insecurity and places the task of resolving it on justice. We reaffirm our advocacy for clarity and simplicity in policies that serve such an important public service.  Under-insurance: This may relate to one of two things: In recent years, insurers have increasingly modified standard forms in a company-specific manner or have refused to accept changes of standard forms. For example, a review of household insurance revealed significant differences in the various provisions.  In some areas, such as directors` and officers` liability insurance and personal insurance on the roof, there is little industry-wide standardization. Insurance contracts have traditionally been written on the basis of each type of risk (for which risks have been defined very precisely) and a separate premium is calculated and charged for each of them.