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- Resolving Ambiguities In Insurance Policy Language: The Contra Proferentem Doctrine And The Use Of Extrinsic Evidence
- A court's first step in interpreting allegedly ambiguous insurance contract language is to determine whether there is in fact an ambiguity. This initial step involves considering so-called allegedly ambiguous terms not in the abstract, but rather in the context of the written policy itself. Thus, courts will employ standard contractual...
- White papers 2003-05-19
- Interpreting Insurance Policy Language
- Insurers are responsible for interpreting rather complex policy language that ordinarily has a legal as well as a commonsense meaning. This responsibility exists in an environment that is characterized by extensive competition in which customer service and good faith relationships with insured is vital to a company's success. The insurance...
- White papers 2003-01-01
- Self-Describing Delegation Networks for the Web
- As the necessity of flexible Web security becomes more apparent and as the notion of using policies for access control gains popularity, the number of policy languages being proposed for controlling access to Web resources increases. Instead of defining a single standard policy language, the authors believe that there should...
- White papers 2006-03-28
- Requirements For Policy Languages For Trust Negotiation
- In open systems like the Internet, traditional approaches to security based on identity do not provide a solution to the problem of establishing trust between strangers, because strangers do not share the same security domain. A new approach to establishing trust between strangers is trust negotiation, the bilateral exchange of...
- White papers 2005-03-16
Additional Resources
- Ambiguous Policy Language Costs Insurers Pollution Liability Case.(Brief Article)
- The Colorado Supreme Court has ruled for the cities of Littleton and Englewood, Colo., finding that the cities' policy language does not preclude coverage in their environmental liability case with the Environmental Protection Agency. "This appeal raises important and difficult issues of ...
- Research articles 1999-08-01
- Mortgagee Must Comply With The Terms And Conditions Of The Policy To Recover In A Fire Loss
- Although there seems to be some support for the relation back theory, the application of the theory would seem to be contrary to the proposition that the insured and mortgagee have separate and independent causes of action and seems to disregard the specific policy language relating to the mortgagee. As...
- White papers 2003-01-01
- California Supreme Court refuses to give effect to automobile policy language restricting coverage for permissive users of vehicle; coverage-limiting language insufficiently "conspicuous, plain, and clear" to be enforced
- Haynes v. Farmers Insurance Exchange, 32 Cal. 4th 1198, 89 P. 3d 381 (California Supreme Court--May 17, 2004) Haynes involved an automobile policy that provided, in two separate portions of the policy, there was no coverage for claims made arising out of permissive use of the vehicle. Policyholder William...
- Research articles 2004-09-01
- Policy work for 2001 wraps up at congress of cities: the membership approved policy language urging that Washington, D.C.'s delegate to the U.S. House of Representatives be granted floor-voting privileges. Another resolution supports greater budget and le
- Highlights of NLC's policy development process at the Congress of Cities in Atlanta include support of voting rights in the House of Representatives for the District of Columbia, new policy concerning international trade agreements and a comprehensive revision of NLC's energy policy. The...
- Research articles 2001-12-17
- TRUSTe and Facebook Announce Disclosure Enhancements and Model Privacy Policy Language for New Web Sites That Implement Beacon
- TRUSTe and Facebook today announced enhanced disclosures around the Beacon program in the Facebook privacy policy, and unveiled recommended language for new Beacon Web site partners to use in their own privacy policies. As a result of recent changes implemented by Facebook, Beacon now requires an affirmative opt-in and...
- Research articles 2007-12-14
- In From the Outfield: Coverage Defenses Outside the Policy Language in Defective Work Claims
- In many instances, the line between builders risk and CGL coverage blurs, in that a commercial general liability CGL policy may provide coverage for a contractor, particularly for defective work, which either coincides with, or is excess of coverage provided under the builders risk policy. Moreover, even in the event...
- White papers 2000-11-13
- CED committee to explore policy changes that reflect information age impact on economic development.(National League of Cities Steering Committee on Community and Economic Development)
- The CED steering committee discussed changes in policies regarding the role of technology research and development in the local and national economy at its fall 1997 meeting. The committee also voted to strengthen the policy position on post office relocation. Technology research and development and its related industry...
- Research articles 1997-09-29
- Excess insurers can't deny claims for late notice absent policy clause.(International)
- Byline: BARBARA COCKBURN LONDON-Excess insurers must pay claims that penetrate their layers of coverage even if the insurers are made aware of the claims years after the primary insurers are notified, the U.K. Court of Appeal has ruled. Under the ruling,...
- Research articles 2005-06-06
- Language action: update on National Language priorities—The National Language Conference, Language transformation roadmap, and the military Language Conference
- "The views expressed in this article are those of the author and do not reflect the official policy or position of the Departments of the Army and Defense, or the U.S. Government." The National Language Conference The National Language Conference, co-sponsored by the Department of Defense DOD and...
- Research articles 2005-01-01
- The Battle Between The Courts And Coverage –How To Handle The Innocent Co-Insured
- This article describes the development of the law on coverage for innocent co- insured and the policy considerations that affect courts interpretations of policies. It also examine how articles and modifiers interact to determine coverage, and how a severability of interests clause may or may not determine whether the insurer...
- White papers 2003-01-01
- UCLA Center for Health Policy Research Report Finds That Language Barrier Puts More Than 1 Million Californians in HMOs at Risk for Healthcare Problems
- LOS ANGELES -- A new policy brief from the UCLA Center for Health Policy Research shows that more than 1 million adult HMO members in California with limited English proficiency are at risk for problems accessing health care services and receiving quality treatment. The study, commissioned by the California Office...
- Research articles 2006-05-11
- CILT Director to advise on EU language policy.
- M2 PRESSWIRE-6 October 2006-CILT: CILT Director to advise on EU language policyC1994-2006 M2 COMMUNICATIONS LTD RDATE:06102006 The Director of CILT, the National Centre for Languages, Isabella Moore CBE, has been invited to join a high level team of experts advising the...
- Research articles 2006-10-06
- Appeals Court Says Language Policy Is Invalid
- A federal appeals court has said a new federal policy against accidentally aired profanities on TV and radio is invalid, noting that vulgar language had become so common that even President George W. Bush has been overheard using expletives in broadcasts, reports the Associated Press. The US Court of Appeals...
- Research articles 2007-07-01
- National Foreign Language Center, National Security Education Program Assemble Officials for Briefing at National Press Club
- News Advisory: The National Foreign Language Center at the University of Maryland and the National Security Education Program, the nation's leading language policy institute and federal education program dedicated to improving the language ability of the federal work force, will sponsor a briefing on language and national security. The event...
- Research articles 2002-01-08
- New Facebook Privacy Policy Draft Now Open for Feedback
- As it did with changes around its at-one-time controversial terms of service earlier this year, Facebook is making a new draft of its privacy policies available for public comment. You can view it here; comments can be left on the Facebook Site Governance page. Part of the intent with this...
- News items 2009-10-29
- Fraud And False Swearing: An Analysis Of The Insurer's Right To Avoid Coverage
- Most property policies provide the insurer with the right to avoid coverage when a fraud is detected. The fraud defense may arise either from a misrepresentation made by the insured in the procurement of the insurance policy or in the presentation of a claim. The two kinds of misrepresentations are...
- White papers 2003-01-01
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