Index

• Author: Denis Boivin
• Pages: 349-361

Abandonment, 275–76

Acceptance. See Formation

Access to Information

extent of disclosure, 105–7

relative position of each party, 102–3

Accessory Risk or Coverage, 47

Accident — Definition of, 196, 197,

198, 216

Accident and Sickness Insurance

agency — presumption against, 151

applicable statute, 45–46

consent, 75, 76

disclosure, 111, 114, 131

fraud, 131

group vs. individual insurance,

41–42

indemnity vs. non-indemnity insur-

ance, 43–44

insurable interest, 70, 74–79, 88–89

notice and proof of loss, 219

remedies for non-disclosure, 144–45

statutory conditions, 59–60, 174, 202

termination of contract, 186

Actual Cash Value

abatement for betterment, 255, 256

costs of repair, 253–54, 255–56

costs of replacement, 254

deductibles, 202

definition, 251–52

depreciation, 251–52, 253, 255, 256

guidelines, 252

insurer discretion, 262, 264

intended use, 258–59

loss of market value, 254

loss of productive value, 254

objective, 252

valuation methods, 253–55

Actual Replacement Costs

conditions, 261, 264–68

definition, 251

depreciation, 251

due diligence and dispatch, 265–66,

268

endorsements, 251, 261

financing repairs, 263

indemnification — principle of, 264,

266

intended use, 268–70

legal effect, 262–63

personal property, 270–71

returning property, 270–71

Adjusters

definition, 24

independence of, 24–25

liability, 25, 169

regulation, 25–26, 57–58

unconscionable settlements, 246–47

Agency. See also Authority.

amanuensis presumption, 151–52

authority, 149–51

estoppel by representation, 150, 155

law of, 147–51

349

Index