2 Summary of California Law (10th), Insurance
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1 2 Summary of California Law (10th), Insurance I. INTRODUCTION A. Generally. 1. [ 1] In General. 2. [ 2] Commentary and Practice Works. 3. [ 3] Classes of Insurance. 4. [ 4] Insurer's Rights of Subrogation, Contribution, and Indemnity. 5. [ 4A] (New) When Duty of Contribution Arises. 6. [ 4B] (New) Calculation of Damages in Contribution Action. 7. [ 4C] (New) Insurer's Right of Reimbursement. B. Regulation of Insurance. 1. [ 5] Power To Regulate. 2. [ 6] Governing Law. 3. [ 7] Department of Insurance and Insurance Commissioner. 4. [ 8] Policies Governed by Insurance Code. 5. Rate Control. (a) [ 9] Proposition 103. (b) [ 10] Ratemaking Process. 6. Insolvent Insurers. (a) [ 11] Conservatorship and Liquidation. (b) Insurance Guarantee Associations. (1) [ 12] In General. (2) [ 13] Liability for Subrogation Claims. 7. Automobile Liability Insurance. (a) [ 14] Financial Responsibility Law. (b) [ 15] Assigned Risk Law. (c) [ 16] Low-Cost Insurance. C. Insurance Agents and Brokers. 1. [ 17] In General. 2. [ 18] Licensing and Regulation. 3. [ 19] Compensation and Other Rights. 4. [ 20] Duties and Liabilities. 5. [ 20A] (New) Ostensible Authority. D. Liability for Failure To Insure. 1. [ 21] In General. 2. [ 22] Failure of Insurer To Act on Application. 2A. [ 22A] (New) Failure of Insurer To Disclose Alternative, More Favorable Policy Terms. 3. [ 23] Third Party Engaging To Procure Insurance. 4. [ 24] Transferor of Insured Property. E. Conflict of Laws. 1. [ 25] In General. 2. [ 26] Life Insurance. 3. [ 27] Fire, Surety, and Casualty Insurance. II. FORMATION AND EFFECT OF INSURANCE CONTRACT
![[ 4C] (New) Insurer's Right of Reimbursement. B. Regulation of Insurance. 1. [ 5] Power To Regulate. 2. [ 6] Governing Law. 3. [ 7] Department of Insurance and Insurance Commissioner. 4. [ 8] Policies Governed by Insurance Code.](/docs-images/45/8738765/images/page_1.jpg "5. Rate Control. (a) [ 9] Proposition 103. (b) [ 10] Ratemaking Process. 6. Insolvent Insurers. (a) [ 11] Conservatorship and Liquidation. (b) Insurance Guarantee Associations. (1) [ 12] In General.")
2 A. Formation and Validity. 1. General Principles. (a) [ 28] Requisites and Elements. (b) [ 29] Written Contracts: Policies. (c) [ 30] Oral Contracts. (d) [ 31] Parties to Contract. (e) [ 32] Statutory Requirements for Legibility. (f) [ 33] Foreign Language Policies. 2. [ 34] Application by Insured. 3. Acceptance or Rejection by Insurer. (a) [ 35] In General. (b) [ 36] Insurer's Right of Refusal. 4. Interim Contracts: Binders. (a) [ 37] In General. (b) [ 38] Statutory Regulation. (c) [ 39] Life Insurance Applications. (d) [ 40] Return of Premium as Precondition to Rejection of Application. (e) [ 41] Effect of Ambiguous Terms. (f) [ 42] Where Insurer Is Not Designated. (g) [ 43] Estoppel To Deny Coverage. 5. [ 44] Execution of Policy. 6. Delivery of Policy. (a) [ 45] In General. (b) [ 46] Constructive Delivery. 7. [ 47] Validity. B. Construction. 1. Generally. (a) [ 48] Governing Rules and Principles. (b) Constituent Parts of Contract. (1) [ 49] In General. (2) [ 50] Particular Types of Policies. (c) [ 51] Policy as Adhesion Contract. (d) [ 52] Construction of Policy in Entirety. (e) [ 53] Reference to Drafting History, Interpretive Materials, and Advertising. (f) [ 54] Effect of Judicial Enlargement of Liability Covered. 2. Unambiguous Provisions: Reference to Plain Meaning. (a) [ 55] In General. (b) [ 56] Lay Interpretation Governs. (c) [ 57] Construction in Context. (d) [ 58] Effect of Public Policy. (e) [ 59] Illustrations. 3. Ambiguous Provisions: Reasonable Expectations of Insured. (a) [ 60] In General. (b) [ 61] Relevant Factors.
![(b) [ 36] Insurer's Right of Refusal. 4. Interim Contracts: Binders. (a) [ 37] In General. (b) [ 38] Statutory Regulation. (c) [ 39] Life Insurance Applications.](/docs-images/45/8738765/images/page_2.jpg "(d) [ 40] Return of Premium as Precondition to Rejection of Application. (e) [ 41] Effect of Ambiguous Terms. (f) [ 42] Where Insurer Is Not Designated. (g) [ 43] Estoppel To Deny Coverage. 5.")
3 (c) [ 61A] (New) Effect of Expectations of Additional Insured. 4. Ambiguous Provisions: Construction Against Insurer. (a) [ 62] General Rule Favoring Insured. (b) [ 63] Limitations on Rule. (c) Exclusionary Clauses: Terms Must Be Conspicuous, Plain, and Clear. (1) [ 64] In General. (2) [ 65] Illustrations of Conspicuous, Plain, and Clear Clauses. C. Performance and Breach. 1. Conditions Precedent. (a) [ 66] In General. (b) [ 67] Payment of Premiums. 2. [ 68] Conditions Subsequent. 3. Right to Proceeds. (a) [ 69] In General. (b) [ 70] Third-Party Beneficiaries. (c) [ 71] Recovery by Insurer of Proceeds Paid Under Mistake. (d) [ 72] Change of Beneficiaries or Beneficial Rights. (e) [ 72A] (New) Manner of Payment of Life Insurance Proceeds. 4. [ 73] Breach of Contract. 5. [ 73A] (New) Electronic Transactions. D. [ 74] Transfer. E. (New) Life Settlements. 1. [ 74A] (New) In General. 2. [ 74B] (New) Licensing. 3. [ 74C] (New) Time of Settlement. 4. [ 74D] (New) Forms and Disclosures. 5. [ 74E] (New) Execution. 6. [ 74F] (New) Rescission. 7. [ 74G] (New) Prohibited Practices. 8. [ 74H] (New) Conflict of Laws. III. INSURABLE INTEREST A. [ 75] In General. B. [ 76] Property Insurance. C. [ 77] Automobile Insurance. D. Life and Disability Insurance. 1. [ 78] In General. 2. [ 79] Insurable Interest of Employers, Benefit Plan Trustees, and Charities. 3. [ 80] Insurable Interest of Creditors. IV. COVERAGE OF POLICIES GENERALLY A. Basic Principles. 1. [ 81] In General. 2. [ 82] Burden of Proof. 3. Types of Coverage. (a) [ 83] First-Party and Third-Party Coverage. (b) Primary and Secondary Coverage.
![Conditions Precedent. (a) [ 66] In General. (b) [ 67] Payment of Premiums. 2. [ 68] Conditions Subsequent. 3. Right to Proceeds. (a) [ 69] In General. (b) [ 70] Third-Party Beneficiaries.](/docs-images/45/8738765/images/page_3.jpg "(c) [ 71] Recovery by Insurer of Proceeds Paid Under Mistake. (d) [ 72] Change of Beneficiaries or Beneficial Rights. (e) [ 72A] (New) Manner of Payment of Life Insurance Proceeds. 4.")
4 (1) [ 84] In General. (2) [ 85] "Other Insurance" Clauses. (c) [ 86] Individual and Group Coverage. (d) [ 87] Partnership Insurance. (e) [ 88] Reinsurance. 4. Definition and Scope of Terms. (a) [ 89] In General. (b) [ 90] "Accident." (c) [ 91] "Advertising Injury." (d) [ 92] "Bodily Injury." (e) [ 93] "Damages." (f) [ 94] "Family," "Household," or "Residence." (g) [ 95] "Intentional Act." (h) [ 96] "Legally Obligated To Pay." (i) [ 97] "Pollution." (i-1) [ 97A] "Product Dispargement." (j) [ 98] "Property Damage." (k) [ 99] "Suit." B. Prohibited Indemnifications. 1. Wilful Acts of Insured. (a) [ 100] In General. (b) What Constitutes Wilful Act. (1) [ 101] Conduct Intended To Harm or Inherently Harmful. (2) [ 102] Effect of Insanity. (c) Particular Acts. (1) [ 103] Wrongful Termination. (2) [ 104] Malicious Prosecution. (3) [ 105] Child Molestation. (4) [ 106] Sex Torts Involving Battery or Fraud. (5) [ 107] Sexual Harassment. (6) [ 108] Other Examples. (d) Distinctions. (1) [ 109] Negligent Act. (2) [ 110] Act Not Committed by Insured. (3) [ 111] Liability Under Surety Bond. (4) [ 112] Independent Coverage. 2. [ 113] Punitive Damages. C. First-Party Insurance. 1. [ 114] In General. 2. [ 115] Trigger of Coverage. 3. Causation of Loss. (a) [ 116] In General: Efficient Proximate Cause Standard. (b) [ 117] Distinction: Separate Characterization of Excluded Cause. 4. Life Insurance. (a) [ 118] In General. (b) [ 119] Accidental Death Provisions.
![" (h) [ 96] "Legally Obligated To Pay." (i) [ 97] "Pollution." (i-1) [ 97A] "Product Dispargement." (j) [ 98] "Property Damage." (k) [ 99] "Suit." B. Prohibited Indemnifications. 1.](/docs-images/45/8738765/images/page_4.jpg "Wilful Acts of Insured. (a) [ 100] In General. (b) What Constitutes Wilful Act. (1) [ 101] Conduct Intended To Harm or Inherently Harmful. (2) [ 102] Effect of Insanity. (c) Particular Acts.")
5 (b-1) [ 119A] Accelerated Death Benefits. (c) [ 120] Condition of Insured's Good Health. (d) [ 121] Exclusion for Suicide. 5. Health and Disability Insurance. (a) [ 122] In General. (a-1) [ 122A] (New) Individual Mandate To Obtain Insurance. (a-2) [ 122B] (New) Eligibility for Coverage. (a-3) [ 122C] (New) Dependent Coverage. (a-4) [ 122D] (New) Restrictions on Annual and Lifetime Limits. (a-5) [ 122E] (New) Termination of Coverage. (a-6) [ 122F] (New) Insurance Exchanges. (a-7) [ 122G] (New) Rate Regulation. (a-8) [ 122H] (New) Review of Insurer Determinations. (a-9) [ 122-I] (New) Minimum Benefits Coverage. (b) [ 123] Total Disability. (c) [ 124] Inception of Covered Condition. (d) [ 125] Effect of ERISA. (d-1) [ 125A] (New) Validity of Affordable Care Act. (e) HMO Plans. (1) [ 126] In General. (2) [ 127] Contracts Interfering With Physician-Patient Communication. (3) [ 128] Contracts Offering Incentives To Deny Medical Services. (4) [ 129] Contracts Restricting Advertising. (5) [ 130] Health Care Provider's Bill of Rights. (6) [ 130A] (New) Balance Billing of Patients. (7) [ 130B] (New) Coverage of Mental Illness. 6. Property Insurance. (a) [ 131] In General. (b) [ 132] Exclusions. (c) [ 132A] (New) Appraisal of Loss. (d) [ 132B] (New) Coverage for Lost Rent. 7. Surety or Fidelity Insurance. (a) [ 133] In General. (b) [ 134] Loss Occurring Over Multiple Policy Periods. 8. [ 134A] (New) Pet Insurance. D. Third-Party (Liability) Insurance. 1. [ 135] In General. 2. [ 136] No-Fault Insurance Proposals. 3. Trigger of Coverage. (a) [ 137] In General. (b) "Occurrence" Policies. (1) [ 138] In General. (2) [ 139] Continuing or Progressive Injuries. (3) [ 139A] (New) All-Sums-With-Stacking Rule.
![(a-4) [ 122D] (New) Restrictions on Annual and Lifetime Limits. (a-5) [ 122E] (New) Termination of Coverage. (a-6) [ 122F] (New) Insurance Exchanges. (a-7) [ 122G] (New) Rate Regulation.](/docs-images/45/8738765/images/page_5.jpg "(a-8) [ 122H] (New) Review of Insurer Determinations. (a-9) [ 122-I] (New) Minimum Benefits Coverage. (b) [ 123] Total Disability. (c) [ 124] Inception of Covered Condition.")
6 (c) "Claims Made" Policies. (1) [ 140] In General. (2) [ 141] Related Claims. (3) [ 142] Awareness Provisions. (d) [ 143] Variations of Basic Policy Types. 4. [ 144] Causation of Loss: Concurrent Proximate Cause Standard. 5. Exclusions. (a) [ 145] In General. (b) "Expected or Intended" Harm. (1) [ 146] In General. (2) [ 147] Subjective Test. (3) [ 147A] (New) Harm Caused by Coinsured. (c) [ 147B] (New) Interinsured Claims. 6. [ 148] Commercial General Liability (CGL) Insurance. 7. Homeowners Liability Insurance. (a) [ 149] In General. (b) Exclusions. (1) [ 150] Business Pursuits. (2) [ 151] Injuries to Household Members and Residents. (3) [ 152] Automobile-Related Incidents. 8. Professional Liability Insurance. (a) [ 153] In General. (b) [ 154] Legal Malpractice Insurance. (c) [ 155] Medical Malpractice Insurance. 9. [ 156] Directors and Officers Liability Insurance. 10. [ 157] Products Liability Insurance. 11. [ 158] Employers' Liability Insurance. V. COVERAGE OF AUTOMOBILE POLICIES A. Generally. 1. [ 159] In General. 2. [ 160] Property Loss Coverage. 3. [ 161] Medical Payments Coverage. 4. [ 161A] (New) Personal Vehicle Sharing Programs. B. Liability Coverage. 1. In General. (a) [ 162] Nature of Coverage. (b) [ 163] Types of Policies. (c) [ 164] Persons and Entities Insured. (d) [ 165] Vehicles Insured. (e) [ 166] Activities Covered. (f) [ 167] Territorial Limits. (g) [ 168] Monetary Limits. 2. Permissive Use. (a) [ 169] In General. (b) [ 170] Coverage Required. (c) Limitations and Exceptions to Requirement.
![(3) [ 147A] (New) Harm Caused by Coinsured. (c) [ 147B] (New) Interinsured Claims. 6. [ 148] Commercial General Liability (CGL) Insurance. 7. Homeowners Liability Insurance. (a) [ 149] In General.](/docs-images/45/8738765/images/page_6.jpg "(b) Exclusions. (1) [ 150] Business Pursuits. (2) [ 151] Injuries to Household Members and Residents. (3) [ 152] Automobile-Related Incidents. 8. Professional Liability Insurance.")
7 (1) [ 171] In General. (2) [ 172] Exception of Designated Users. (d) [ 173] Scope of Insured's Permission. 3. Exclusions. (a) [ 174] In General. (b) [ 175] Statutory List. (c) [ 176] Injuries to Insureds. (d) [ 177] Designated Vehicles or Classes of Vehicles. 4. Effect of Other Insurance. (a) [ 178] In General. (b) [ 179] Statutory Presumptions. C. Uninsured Motorist Coverage. 1. [ 180] Nature and Purpose. 2. Requirement and Amount of Coverage. (a) [ 181] Personal Injury Coverage: Uninsured Motorists. (b) Personal Injury Coverage: Underinsured Motorists. (1) [ 182] In General. (2) [ 183] Exhaustion of Other Insurance. (3) [ 184] Reimbursement or Credit to Insurer. (4) [ 185] Conflicting Uninsured Motorist Provisions Are Superseded. (c) [ 186] Collision Coverage. (d) [ 187] Effect of Other Compensation. (e) [ 188] Policy Limits. (f) [ 189] Multiple Policies. 3. Scope and Conditions of Coverage. (a) [ 190] Persons Insured. (b) [ 191] Vehicles Involved. (c) Statutory Exclusions. (1) [ 192] In General. (2) [ 193] Settlement or Judgment Without Insurer's Consent. (3) [ 194] Occupied Vehicle Owned but Not Covered by Policy. (4) [ 195] Occupied Vehicle Covered by Similar Insurance. (d) [ 196] Policy Exclusions. (e) [ 197] When Vehicle Is Uninsured. (f) Claims Involving Unknown Owner or Operator. (1) [ 198] Physical Contact. (2) [ 199] Notification of Authorities and Insurer. 4. Waiver of Coverage. (a) [ 200] Personal Injury Coverage. (b) [ 201] Collision Coverage. (c) [ 202] Multiple Vehicles. (d) [ 203] Illustrations: Effective Waivers. (e) [ 204] Illustrations: Ineffective Waivers. 5. Procedure. (a) Statute of Limitations.
![1. [ 180] Nature and Purpose. 2. Requirement and Amount of Coverage. (a) [ 181] Personal Injury Coverage: Uninsured Motorists. (b) Personal Injury Coverage: Underinsured Motorists.](/docs-images/45/8738765/images/page_7.jpg "(1) [ 182] In General. (2) [ 183] Exhaustion of Other Insurance. (3) [ 184] Reimbursement or Credit to Insurer. (4) [ 185] Conflicting Uninsured Motorist Provisions Are Superseded.")
8 (1) [ 205] In General. (2) [ 206] Underinsured Motorist Claims. (3) [ 207] Action To Compel Arbitration. (b) Arbitration. (1) [ 208] Requirement. (2) [ 209] Issues Subject to Arbitration. (3) [ 210] Notice and Hearing. (4) [ 211] Joinder and Consolidation. (5) [ 212] Stay When Workers' Compensation Claim Is Filed. (6) [ 213] Conclusion of Arbitration. (7) [ 214] Award and Review. (c) [ 215] Subrogation of Insurer. VI. REFORMATION AND TERMINATION OF INSURANCE CONTRACT A. Reformation. 1. [ 216] In General. 2. [ 217] Mistake as Ground. 3. [ 218] Effect of Accepting or Failing To Read Policy. B. Cancellation. 1. [ 219] In General. 2. [ 220] Cancellation by Lender Financing Premiums. 3. [ 221] Cancellation in Bad Faith. 4. [ 222] Notice of Cancellation. C. [ 223] Nonrenewal. D. Rescission. 1. [ 224] Right To Rescind. 2. [ 225] General Limitations. 3. Incontestability Clauses. (a) [ 226] In General. (b) [ 227] What Constitutes Contest. (c) [ 228] Life Insurance. (d) [ 229] Disability Insurance. 4. [ 230] Exercise of Right. 5. [ 231] Misrepresentation or Concealment Affecting Amount of Premium. 6. [ 232] Misrepresentation or Concealment of Change in Medical Condition. E. Automobile Insurance Policies. 1. [ 233] Grounds for Termination. 2. [ 234] Procedure for Cancellation. 3. [ 235] Procedure for Nonrenewal. 4. [ 236] Effect of Permitting Policy To Expire. 5. [ 237] Required and Prohibited Policy Provisions. VII. RIGHTS AND OBLIGATIONS AFTER OCCURRENCE OF INSURED EVENT A. [ 238] Indemnification of Insured. B. Bad Faith Liability. 1. Implied Covenant of Good Faith and Fair Dealing. (a) [ 239] Nature of Covenant. (b) Breach of Covenant by Insurer.
![(c) [ 215] Subrogation of Insurer. VI. REFORMATION AND TERMINATION OF INSURANCE CONTRACT A. Reformation. 1. [ 216] In General. 2. [ 217] Mistake as Ground. 3.](/docs-images/45/8738765/images/page_8.jpg "[ 218] Effect of Accepting or Failing To Read Policy. B. Cancellation. 1. [ 219] In General. 2. [ 220] Cancellation by Lender Financing Premiums. 3. [ 221] Cancellation in Bad Faith. 4.")
9 (1) [ 240] In General. (1a) [ 240A] (New) Effect of Genuine Dispute. (2) [ 241] Tort and Contract Remedies. (3) [ 242] Punitive Damages. (c) [ 243] Breach of Covenant by Insured: Only Contract Damages. (d) Actionable Conduct. (1) [ 244] In General. (2) [ 245] Investigation or Evaluation of Claims. (3) [ 246] Conduct of Litigation. (4) [ 247] Denial of Benefits or Delay in Payment. (e) [ 248] Breach of Insurance Contract Is Required. (f) [ 249] Commentary and Practice Works. 2. Alternative Theories of Liability. (a) [ 250] Breach of Express Terms of Contract. (b) [ 251] Traditional Tort Actions. (c) Unfair Insurance Practices Act. (1) [ 252] Nature and Scope of Act. (2) No Private Statutory Action. (aa) [ 253] Royal Globe Doctrine. (bb) [ 254] Abrogation of Royal Globe in Moradi-Shalal. (cc) [ 255] Subsequent Developments. (3) [ 256] Estoppel Based on Violation of Act. (4) [ 256A] (New) Insurer Misconduct Violating Laws In Addition to Act. C. Insurer's Duty To Settle. 1. Bad Faith Refusal To Settle. (a) In General. (1) [ 257] Nature of Duty. (2) [ 258] Bad Faith Test of Breach. (3) [ 259] Excess Judgment Required. (4) [ 260] Discovery of Policy Limits. (5) [ 261] Assignment of Cause of Action Against Insurer. (6) [ 262] Rights of Excess Insurer. (b) Illustrations. (1) [ 263] Duty Not Breached. (2) [ 264] Breach by Insurer That Defends. (3) [ 265] Breach by Insurer That Does Not Defend. (c) [ 266] Effect of Seeking Declaratory Relief. 2. Bad Faith Acceptance of Settlement. (a) [ 267] In General. (b) [ 268] Coercing Insured's Contribution to Settlement. 3. [ 269] Reimbursement of Insurer for Settlement of Uncovered Claims. D. Insurer's Duty To Defend. 1. [ 270] Insurer's Obligation and Right of Control. 2. Scope of Duty. (a) [ 271] Potential for Coverage Test.
![(4) [ 247] Denial of Benefits or Delay in Payment. (e) [ 248] Breach of Insurance Contract Is Required. (f) [ 249] Commentary and Practice Works. 2. Alternative Theories of Liability.](/docs-images/45/8738765/images/page_9.jpg "(a) [ 250] Breach of Express Terms of Contract. (b) [ 251] Traditional Tort Actions. (c) Unfair Insurance Practices Act. (1) [ 252] Nature and Scope of Act. (2) No Private Statutory Action.")
10 (b) [ 272] Duty Is Broader Than Duty To Indemnify. (b) [ 272A] (New) Duty Is Limited to Claims Actually Made. (c) Manner of Determining Duty. (1) [ 273] Declaratory Relief. (2) [ 274] Use of Evidence Extrinsic to Complaint. (d) [ 275] Inception and Duration of Duty. (e) [ 275A] (New) Duties Under Multiple Policies. 3. Duty in Particular Actions. (a) [ 276] Action Requiring Resolution of Legal Question. (b) [ 277] Action Based on Emotional or Physical Distress From Uncovered Loss. (c) [ 278] Criminal Action. (d) [ 279] Wrongful Termination Action. (e) [ 280] Action Based on Sexual Misconduct. (f) [ 281] Action Under Workers' Compensation Policy. (f-1) [ 281A] (New) Civil Rights Action. (f-2) [ 281B] (New) Construction Defect Action. (g) Other Circumstances. (1) [ 282] Duty To Defend. (2) [ 283] No Duty To Defend. 4. [ 284] Insurer's Reservation of Rights. 5. Defense After Exhaustion of Policy Limits. (a) [ 285] In General. (b) [ 286] Effect of Several Primary Policies. 6. Independent Counsel Where Conflict of Interest. (a) [ 287] In General. (b) [ 288] Existence of Conflict of Interest. (c) [ 289] Time of Appointment. (d) [ 290] Selection and Payment. (e) [ 291] Rights and Duties in Course of Litigation. (f) [ 291A] (New) Effect of Withdrawal of Reservation of Rights. 7. Defense of Action in Entirety. (a) [ 292] Duty of Insurer. (b) [ 293] Reimbursement for Defense of Uncovered Claims. 7A. [ 293A] (New) Reimbursement on Determination That Insurer Had No Duty To DefendAction. 8. [ 294] Courtesy Defense of Uninsured Defendant. 9. Manner of Conducting Defense. (a) [ 295] Duty To Exercise Due Care and Good Faith. (a-1) [ 295A] (New) Tripartite Attorney-Client Relationship. (b) [ 296] Funding of Defense. 10. Effect of Failure or Refusal To Defend. (a) [ 297] Action Defended by Insured. (b) [ 298] Insured Unable To Defend. (c) [ 299] Recovery of Tort Damages. (d) [ 299A] (New) Where No Contractual Duty To Defend Exists.
![(a) [ 276] Action Requiring Resolution of Legal Question. (b) [ 277] Action Based on Emotional or Physical Distress From Uncovered Loss. (c) [ 278] Criminal Action.](/docs-images/45/8738765/images/page_10.jpg "(d) [ 279] Wrongful Termination Action. (e) [ 280] Action Based on Sexual Misconduct. (f) [ 281] Action Under Workers' Compensation Policy. (f-1) [ 281A] (New) Civil Rights Action.")
11 11. [ 300] Assignment of Cause of Action Against Insurer. E. Insurer's Liability to Injured Person. 1. [ 301] Liability on Judgment Against Insured. 2. Action by Injured Person Against Insurer Directly. (a) [ 302] General Rule: No Action Without Judgment. (b) [ 303] Exception: Suit Under Special Legislation. (c) [ 304] Exception: Suit as Third-Party Beneficiary Under Traditional Contract Principles. 3. [ 305] Effect of Stipulated Judgment. 4. Bad Faith Liability. (a) [ 306] In General. (b) [ 307] No Liability for Failure To Settle. (c) [ 308] Liability for Withholding Amounts Owed on Judgment. F. Defenses of Insurer. 1. [ 309] In General. 2. [ 310] Defenses Against Insured Are Available Against Injured Party. 3. [ 311] Defense of Fraud. 3A. [ 311A] (New) Effect of Postclaims Underwriting by Health Care Service Plan. 4. Defense of Noncooperation. (a) [ 312] Nature of Cooperation Clause. (b) [ 313] Prejudice Required. (c) [ 314] Failure To Disclose Information. (d) [ 315] Failure To Assist in Trial Preparation. (e) [ 316] Absence From Trial. 5. Defense of Violation of Other Policy Conditions. (a) [ 317] Notice and Proof of Loss. (b) [ 318] Notice of Accident or Claim. (c) [ 319] Submission to Examination Under Oath. (d) [ 320] Prohibition Against Voluntary Payments. 6. [ 321] Defense of Federal Preemption Under ERISA. 7. [ 322] No Defense of Comparative Bad Faith. 8. [ 323] Effect of Transgressions by Fewer Than All Insureds. 9. Waiver of, or Estoppel To Assert, Defenses. (a) [ 324] In General. (b) [ 325] Denial of Coverage on Limited Grounds.
![(c) [ 304] Exception: Suit as Third-Party Beneficiary Under Traditional Contract Principles. 3. [ 305] Effect of Stipulated Judgment. 4. Bad Faith Liability. (a) [ 306] In General.](/docs-images/45/8738765/images/page_11.jpg "(b) [ 307] No Liability for Failure To Settle. (c) [ 308] Liability for Withholding Amounts Owed on Judgment. F. Defenses of Insurer. 1. [ 309] In General. 2.")
THE STATE OF FLORIDA...
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