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INSURANCE LAW

Syllabus (2005)

*2006 Syl. (Spring)

*2006 Syl. (Fall)

Introduction

Warranty I

Warranty II

Warranty III

*Misrepresentation

*Misrep. II

AIDS (Waxse)

Contra Proferentem

*9/11 and Insurance

*9/11 and Ins. II

*9/11 and Ins. III

*9/11 and Ins. IV

*9/5/06 and Paper

Reasonable Exp.

Oregon Ins. Div.

*Ment. Parity

*Parity II

*Discrimination

Estoppel

Agency Theory

Armenian Genocide

Genocide II

Prop 103 (CA)

McCarran I

McCarran II

Hartford Fire

*Cont. Comm. Suit

*Contingent Comm.

*Katrina Lawsuit

Insurable Interest

Gossett

*Loss of Market

Homeowners Pol.

Paramount

Effic. Prox. Cause I

Effic. Prox Cause II

Recovery

Murder!

Imaginary Talk

Viatical Settlement

*ERISA preemption

*ERISA II

Incontestability

Goddard I

Goddard II

Goddard III

Goddard IV

Bad Faith

Bad Faith II

CGL I

CGL II

*Met Life (asbestos)

Expected Harm I

Expected Harm II

Owned Property Excl

Groundwater

Abs. Poll. Excl. I

Abs. Poll. Excl. II

History/Autos I

History/Autos II

*"Use" of a Vehicle

*"Use" of a Veh. II

*"Use" of Veh. III

 

Discrimination in Insurance Policies

Prof. Bill Long 2/1/06

This is not a complete essay at this point. I decided to find another anti-discrimination statute for automobile insurance so that we can compare it with the HI statute in the text. It is from IL.

(215 ILCS 5/143.24) (from Ch. 73, par. 755.24)
    Sec. 143.24. Limited Nonrenewal of Automobile Insurance Policy. A policy of automobile insurance, as defined in subsection (a) of Section 143.13, may not be nonrenewed for any of the following reasons:
    a. Age;
    b. Sex;
    c. Race;
    d. Color;
    e. Creed;
    f. Ancestry;
    g. Occupation;
    h. Marital Status;
    i. Employer of the insured;
    j. Physical handicap as defined in Section 143.24a of this Act.
(Source: P.A. 86-437.)

   (215 ILCS 5/143.24a) (from Ch. 73, par. 755.24a)
    Sec. 143.24a. (a) No insurer, licensed to issue a policy of automobile insurance, as defined in subsection (a) of Section 143.13, shall fail or refuse to accept an application from a physically handicapped person for such insurance, refuse to issue such insurance to a physically handicapped applicant therefor solely because of physical handicap, or issue or cancel such insurance under conditions less favorable to physically handicapped persons than nonhandicapped persons; nor shall a physical handicap itself constitute a condition or risk for which a higher premium may be required of a physically handicapped person for such insurance.

 



Copyright © 2004-2007 William R. Long