000 08217pam a2200349 i 4500
005 20221101222927.0
008 140401s2015 nz b 001 0 eng
011 _aBIB MATCHES WORLDCAT
020 _a9781927248263
_qpaperback
020 _z9781927313022
_qebook
035 _a(ATU)b14207151
035 _a(OCoLC)914232665
040 _aNZNB
_beng
_erda
_cNZNB
_dATU
042 _anznb
043 _au-nz---
082 0 4 _a346.93086
_223
100 1 _aMichalik, Paul Wojciech,
_eauthor.
245 1 0 _aInsurance claims in New Zealand /
_cPaul Michalik LLB (Hons) (VUW), BA (VUW), BCL (Oxon), Christopher Boys LLB (VUW), BA (VUW), Dip Ed (CCEd).
264 1 _aWellington :
_bLexisNexis NZ Limited,
_c[2015].
264 4 _c©2015
300 _axxviii, 313 pages
_c24 cm.
336 _atext
_2rdacontent
337 _aunmediated
_2rdamedia
338 _avolume
_2rdacarrier
504 _aIncludes bibliographical references and index.
505 0 0 _gCh. 1:
_tOverview and general principles of Insurance law --
_g1.1.
_tIntroduction --
_g1.2.
_tThe claim --
_g1.3.
_tIndemnity --
_g1.4.
_tThe policy --
_g1.5.
_tUtmost good faith --
_g1.6.
_tOther special doctrines -- --
_gCh. 2:
_tTerminology --
_g2.1.
_tThe language of insurance -- --
_gPart 1:
_tClaims --
_gCh. 3:
_tResponding to a claim --
_g3.1.
_tConsidering a claim --
_g3.2.
_tStep 1: Discover what happened --
_g3.3.
_tStep 2: Find and read the policy --
_g3.4.
_tStep 3: Apply the polic wording to the facts to confirm cover --
_g3.5.
_tStep 4: Consider the exclusions --
_g3.6.
_tStep 5: Consider the policy conditions --
_g3.7.
_tStep 6: Consider insurance law beyond the policy -- --
_gCh. 4:
_tProving the loss --
_g4.1.
_tPrinciples of interpretation --
_g4.2.
_tIs the loss within the scope of the policy? --
_g4.3.
_tCausation for insurance claims -- --
_gCh. 5:
_tIndemnity --
_g5.1.
_tIntroduction --
_g5.2.
_tThe indemnity principles in historical context --
_g5.3.
_tModern use of the indemnity principle --
_g5.4.
_tMarket value or cost to reinstate --
_g5.5.
_tPartial losses --
_g5.6.
_tTotal losses - market value --
_g5.7.
_tMarket value may equal reinstatement cost --
_g5.8.
_tTotal loss of a building --
_g5.9.
_tReducing the loss --
_g5.10.
_tInsurance write-off/constructive total loss --
_g5.11.
_tIndemnity versus reinstatement cover --
_g5.12.
_tRepairs and improvements to the insured's position --
_g5.13.
_tRepairs and additional costs --
_g5.14.
_tTime of assessment --
_g5.15.
_tThe challenges of successive insured losses --
_g5.16.
_tReinstatement of cover --
_g5.17.
_tUnderinsurance and reinstating cover --
_g5.18.
_tMerger --
_g5.19.
_tThe Ridercrest case --
_g5.20.
_tTotal reinstatement costs as a cap to the insured's recovery --
_g5.21.
_tSeparate adjustment of each and every loss -- --
_gCh. 6:
_tLoss and damage --
_g6.1.
_tThe meaning of "loss" --
_g6.2.
_tProperty going missing --
_g6.3.
_tWider senses of "loss" --
_g6.4.
_tLoss by exclusion from possession under lawful authority --
_g6.5.
_tLoss by deprivation of use - the need to wait and see --
_g6.6.
_tAmount of the claim for loss --
_g6.7.
_tPerishable property --
_g6.8.
_tLoss and exclusion from premises --
_g6.9.
_tExclusion from time-sensitive premises --
_g6.10.
_tMaking a claim - damage -- --
_gCh. 7:
_tLiability --
_g7.1.
_tLiability cover - general principles --
_g7.2.
_tLegal liability --
_g7.3.
_tVoluntary settlement --
_g7.4.
_tLiability to third parties --
_g7.5.
_tLegal costs --
_g7.6.
_tConduct of defence and settlement --
_g7.7.
_tDamages or compensation --
_g7.8.
_tTrade, business or prefession --
_g7.9.
_t"Professional capacity" wordings as definitions of the insured business --
_g7.10.
_tFortunity --
_g7.11.
_tDishonesty -- --
_gCh. 8:
_tAssessment of claims --
_g8.1.
_tQuantum and assessing the claim --
_g8.2.
_tThe role of the adjuster/assessor --
_g8.3.
_tQuantum --
_g8.4.
_tAssessing and paying claims --
_g8.5.
_tDelay in settling claims -- --
_gCh. 9:
_tAvoidance for non-disclosure --
_g9.1.
_tInsurance law - good faith --
_g9.2.
_tNon-disclosure and mis-disclosure --
_g9.3.
_tThe Insurance Law Reform Act 1977 - an amelioration --
_g9.4.
_tA further amelioration - the inducement requirement --
_g9.5.
_tMaterial facts include moral hazard considerations --
_g9.6.
_tLimits to the duty of disclosure --
_g9.7.
_tDisclosure and intermediaries --
_g9.8.
_tHelp with filling out forms --
_g9.9.
_tAvoidance and the Contractuals Remedies Act 1979 -- --
_gCh. 10:
_tNon-payment of claims --
_g10.1.
_tGood faith at claims stage --
_g10.2.
_tFraud --
_g10.3.
_tExclusions --
_g10.4.
_tDelay in notification --
_g10.5.
_tConditions and warranties --
_g10.6.
_tClaims cooperation clauses --
_g10.7.
_tClaims cooperation clauses and ss 9 and 11 of the Insurance Law Reform Act 1977 -- --
505 0 0 _gCh. 11:
_tJoin and Composite Insurance - insuring multiple interests --
_g11.1.
_tJoint and composite insurance --
_g11.2.
_tThird parties under and insurance policy -- --
_gCh. 12:
_tSubrogation --
_g12.1.
_tThe two rules of subrogation --
_g12.2.
_tRecovery actions --
_g12.3.
_tRefraining from pursuit of subrogated recovery rights --
_g12.4.
_tSubrogated recovery actions and using the property of another --
_g12.5.
_tProceeds of subogated recovery actions --
_g12.6.
_tLimit to subogated recovery - Property Law Act 2007 and leases --
_g12.7.
_tProperty Law Act 2007 - exoneration and indemnity and residential tenancies --
_g12.8.
_tIndemnity and subrogation where subsequent events reduce the loss --
_g12.9.
_tSubrogation occurs where an indemnity insurer has paid the indemnity -- --
_gCh. 13:
_tDouble Insurance --
_g13.1.
_tThe indemnity principle --
_g13.2.
_tContribution between insurers --
_g13.3.
_tDouble indemnity clauses --
_g13.4.
_tDouble Insurance - cover must coincide -- --
_gCh. 14:
_tAverage --
_g14.1.
_tUnderinsurance and the risk pool --
_g14.2.
_tAverage makes the underinsured a contributing co-insurer --
_g14.3.
_tAverage inapplicable in the case of a total loss --
_g14.4.
_tAverage under ss 15 and 16 of the Insurance Law Reform Act 1985 --
_g14.5.
_tAverage clauses uncommon in the New Zealand Market -- --
_gCh. 15:
_tInsurance intermediaries - agents and brokers --
_g15.1.
_tInsurance intermediaries --
_g15.2.
_tAgents --
_g15.3.
_tLiability for fraudulent or negligent acts of an agent --
_g15.4.
_tAffimation of a agent's unauthorised acts --
_g15.5.
_tLoss adjesters and claims advocates --
_g15.6.
_tIntermediaries and non-disclosure - Insurance Law Reform Act 1977, s 10 --
_g15.7.
_tAgent's incorrect representations regarding cover --
_g15.8.
_tHelp with filling out forms --
_g15.9.
_tBrokers --
_g15.10.
_tCircumstances where the broker is the insurer's agent --
_g15.11.
_tCover notes --
_g15.12.
_tBinder policies --
_g15.13.
_tWhen the broker is the agent of a third party --
_g15.14.
_tReceipt of money --
_g15.15.
_tCancellation for non-payment in broker-arranged policies -- --
_gCh. 16:
_tIssues in particular contracts of insurance --
_g16.1.
_tLife and health policies --
_g16.2.
_tIssues of definition --
_g16.3.
_tDisability insurance --
_g16.4.
_tIncome protection insurance --
_g16.5.
_tCritical illness/trauma insurance --
_g16.6.
_tHealth insurance --
_g16.7.
_tEvidence in life and health insurances --
_g16.8.
_tProfessional indemnity insurance --
_g16.9.
_tLiability insurance --
_g16.10.
_tThe charge created by s 9 of the Law Reform Act 1936 --
_g16.11.
_tDirectors and officers insurance --
_g16.12.
_tEmployment practices insurance --
_g16.13.
_tBusiness interruption insurance -- --
_gPart 2:
_tDispute Resolution --
_gCh. 17:
_tComplaints Resolution schemes --
_g17.1.
_tInception of complaints resolution schemes --
_g17.2.
_tFunctions of the schemes -- --
_gCh. 18:
_tThe Courts --
_g18.1.
_tDispute resolution through the courts --
_g18.2.
_tThe Earthquake List -- --
_gPart 3:
_tSpecial Insurance Issues --
_gCh. 19:
_tThe Earthquake Commission Act 1993 --
_g19.1.
_tThe Earthquake Commission --
_g19.2.
_tThe cover --
_g19.3.
_tSection 18 of the Earthquake Commission Act 1993 --
_g19.4.
_tSection 19 of the Earthquake Commission Act 1993 --
_g19.5.
_tDispute resolution --
_g19.6.
_tThe Earthquake Commission's performance -- --
_gCh. 20:
_tThe Accident Compensation Act 2001 --
_g20.1.
_tThe ACC scheme --
_g20.2.
_tThe interaction between ACC entitlements and insurance benefits.
650 0 _aInsurance law
_zNew Zealand
_9578244
650 0 _aContracts
_zNew Zealand
_9578704
700 1 _aBoys, Christopher,
_eauthor.
_9829385
942 _cB
999 _c1288162
_d1288162