TY  - BOOK
AU  - Michalik,Paul Wojciech
AU  - Boys,Christopher
TI  - Insurance claims in New Zealand
SN  - 9781927248263
U1  - 346.93086 23
PY  - 2015///]
CY  - Wellington
PB  - LexisNexis NZ Limited
KW  - Insurance law
KW  - New Zealand
KW  - Contracts
N1  - Includes bibliographical references and index; Ch. 1; Overview and general principles of Insurance law --; 1.1; Introduction --; 1.2; The claim --; 1.3; Indemnity --; 1.4; The policy --; 1.5; Utmost good faith --; 1.6; Other special doctrines -- --; Ch. 2; Terminology --; 2.1; The language of insurance -- --; Part 1; Claims --; Ch. 3; Responding to a claim --; 3.1; Considering a claim --; 3.2; Step 1: Discover what happened --; 3.3; Step 2: Find and read the policy --; 3.4; Step 3: Apply the polic wording to the facts to confirm cover --; 3.5; Step 4: Consider the exclusions --; 3.6; Step 5: Consider the policy conditions --; 3.7; Step 6: Consider insurance law beyond the policy -- --; Ch. 4; Proving the loss --; 4.1; Principles of interpretation --; 4.2; Is the loss within the scope of the policy? --; 4.3; Causation for insurance claims -- --; Ch. 5; Indemnity --; 5.1; Introduction --; 5.2; The indemnity principles in historical context --; 5.3; Modern use of the indemnity principle --; 5.4; Market value or cost to reinstate --; 5.5; Partial losses --; 5.6; Total losses - market value --; 5.7; Market value may equal reinstatement cost --; 5.8; Total loss of a building --; 5.9; Reducing the loss --; 5.10; Insurance write-off/constructive total loss --; 5.11; Indemnity versus reinstatement cover --; 5.12; Repairs and improvements to the insured's position --; 5.13; Repairs and additional costs --; 5.14; Time of assessment --; 5.15; The challenges of successive  insured losses --; 5.16; Reinstatement of cover --; 5.17; Underinsurance and reinstating cover --; 5.18; Merger --; 5.19; The Ridercrest case --; 5.20; Total reinstatement costs as a cap to the insured's recovery --; 5.21; Separate adjustment of each and every loss -- --; Ch. 6; Loss and damage --; 6.1; The meaning of "loss" --; 6.2; Property going missing --; 6.3; Wider senses of "loss" --; 6.4; Loss by exclusion from possession under lawful authority --; 6.5; Loss by deprivation of use - the need to wait and see --; 6.6; Amount of the claim for loss --; 6.7; Perishable property --; 6.8; Loss and exclusion from premises --; 6.9; Exclusion from time-sensitive premises --; 6.10; Making a claim - damage -- --; Ch. 7; Liability --; 7.1; Liability cover - general principles --; 7.2; Legal liability --; 7.3; Voluntary settlement --; 7.4; Liability to third parties --; 7.5; Legal costs --; 7.6; Conduct of defence and settlement --; 7.7; Damages or compensation --; 7.8; Trade, business or prefession --; 7.9; "Professional capacity" wordings as definitions of the insured business --; 7.10; Fortunity --; 7.11; Dishonesty -- --; Ch. 8; Assessment of claims --; 8.1; Quantum and assessing the claim --; 8.2; The role of the adjuster/assessor --; 8.3; Quantum --; 8.4; Assessing and paying claims --; 8.5; Delay in settling claims -- --; Ch. 9; Avoidance for non-disclosure --; 9.1; Insurance law - good faith --; 9.2; Non-disclosure and mis-disclosure --; 9.3; The Insurance Law Reform Act 1977 - an amelioration --; 9.4; A further amelioration - the inducement requirement --; 9.5; Material facts include moral hazard considerations --; 9.6; Limits to the duty of disclosure --; 9.7; Disclosure and intermediaries --; 9.8; Help with filling out forms --; 9.9; Avoidance and the Contractuals Remedies Act 1979 -- --; Ch. 10; Non-payment of claims --; 10.1; Good faith at claims stage --; 10.2; Fraud --; 10.3; Exclusions --; 10.4; Delay in notification --; 10.5; Conditions and warranties --; 10.6; Claims cooperation clauses --; 10.7; Claims cooperation clauses and ss 9 and 11 of the Insurance Law Reform Act 1977 -- --; Ch. 11; Join and Composite Insurance - insuring multiple interests --; 11.1; Joint and composite insurance --; 11.2; Third parties under and insurance policy -- --; Ch. 12; Subrogation --; 12.1; The two rules of subrogation --; 12.2; Recovery actions --; 12.3; Refraining from pursuit of subrogated recovery rights --; 12.4; Subrogated recovery actions and using the property of another --; 12.5; Proceeds of subogated recovery actions --; 12.6; Limit to subogated recovery - Property Law Act 2007 and leases --; 12.7; Property Law Act 2007 - exoneration and indemnity and residential tenancies --; 12.8; Indemnity and subrogation where subsequent events reduce the loss --; 12.9; Subrogation occurs where an indemnity insurer has paid the indemnity -- --; Ch. 13; Double Insurance --; 13.1; The indemnity principle --; 13.2; Contribution between insurers --; 13.3; Double indemnity clauses --; 13.4; Double Insurance - cover must coincide -- --; Ch. 14; Average --; 14.1; Underinsurance and the risk pool --; 14.2; Average makes the underinsured a contributing co-insurer --; 14.3; Average inapplicable in the case of a total loss --; 14.4; Average under ss 15 and 16 of the Insurance Law Reform Act 1985 --; 14.5; Average clauses uncommon in the New Zealand Market -- --; Ch. 15; Insurance intermediaries - agents and brokers --; 15.1; Insurance intermediaries --; 15.2; Agents --; 15.3; Liability for fraudulent or negligent acts of an agent --; 15.4; Affimation of a agent's unauthorised acts --; 15.5; Loss adjesters and claims advocates --; 15.6; Intermediaries and non-disclosure - Insurance Law Reform Act 1977, s 10 --; 15.7; Agent's incorrect representations regarding cover --; 15.8; Help with filling out forms --; 15.9; Brokers --; 15.10; Circumstances where the broker is the insurer's agent --; 15.11; Cover notes --; 15.12; Binder policies --; 15.13; When the broker is the agent of a third party --; 15.14; Receipt of money --; 15.15; Cancellation for non-payment in broker-arranged policies -- --; Ch. 16; Issues in particular contracts of insurance --; 16.1; Life and health policies --; 16.2; Issues of definition --; 16.3; Disability insurance --; 16.4; Income protection insurance --; 16.5; Critical illness/trauma insurance --; 16.6; Health insurance --; 16.7; Evidence in life and health insurances --; 16.8; Professional indemnity insurance --; 16.9; Liability insurance --; 16.10; The charge created by s 9 of the Law Reform Act 1936 --; 16.11; Directors and officers insurance --; 16.12; Employment practices insurance --; 16.13; Business interruption insurance -- --; Part 2; Dispute Resolution --; Ch. 17; Complaints Resolution schemes --; 17.1; Inception of complaints resolution schemes --; 17.2; Functions of the schemes -- --; Ch. 18; The Courts --; 18.1; Dispute resolution through the courts --; 18.2; The Earthquake List -- --; Part 3; Special Insurance Issues --; Ch. 19; The Earthquake Commission Act 1993 --; 19.1; The Earthquake Commission --; 19.2; The cover --; 19.3; Section 18 of the Earthquake Commission Act 1993 --; 19.4; Section 19 of the Earthquake Commission Act 1993 --; 19.5; Dispute resolution --; 19.6; The Earthquake Commission's performance -- --; Ch. 20; The Accident Compensation Act 2001 --; 20.1; The ACC scheme --; 20.2; The interaction between ACC entitlements and insurance benefits
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