#legaltalks

[lwlegal]

★𝙖𝙣𝙞𝙢𝙚 𝙫𝙨 𝙢𝙖𝙣𝙜𝙖☆

#trigun #livio the double fang #nicholas d wolfwood #trigun stampede #legaltalks #listen im going to educate all of you. #the lw episode of tristamp is ep 6 #the lw chapters of the trigun manga are 46 to 64 #and then somehow livio isnt in the 98 anime but im def gonna make a post similar to this one thats ww in the manga -> 98 anime -> 23 anime

[dankusner]

Hammerle — Insurtech: An innovation for insurance

One of the top complaints about insurance is that it is simply too confusing.

Insurance is a legal contract between the insurer, who promises to pay for a covered loss, and the insured, who promises to pay premiums.

As if.

Pull out one of your insurance policies and read the definition of “covered loss.”

Copy the definition into a Word document.

Now look at the capitalized, italicized or bolded words within the sentences.

Those words are defined terms.

The definitions will be found within the policy itself or a referenced statute.

Now replace every defined term in your covered loss paragraph with the actual definition.

This will likely triple the length of the paragraph.

Now look at any exceptions stated in your policy.

Go back and insert each exception in the relevant location within your covered loss definition.

You may have to insert an exception more than once if it applies to more than one provision.

One last exercise:

Read every insurance case opinion and statute, federal and state, that has been published in the last 100 years, discern which are still good law and incorporate them into your modified covered loss policy.

Finally you have a comprehensive covered loss provision.

Impossible, you say?

Of course it is.

No wonder one of the top complaints about insurance is that it is simply too confusing.

Other common complaints:

The policy is too expensive, insurance companies delay or deny claims for specious reasons, insurance companies lowball settlement offers, it is too easy for an insurer to game the system, insurance is a cash drain for most people and businesses, and the insurance policy will not cover a catastrophic event like a hurricane or pandemic.

We may have a solution. It is called “insurtech.”

Insurtech is insurance offered as a digital product.

It makes sense because insurance does not require a huge operating plant or supply chain, it can be sold via a website or mobile app without a salesperson and the market is huge so even a small slice can translate into huge dollars.

New insurtech companies are being formed at a rapid pace.

They come with consumer protections because a company must be licensed in every state in which it sells a product.

Each product must meet the requirements of that state.

They also come with a much better customer experience.

Insurtech companies offer a streamlined digital process from start to finish: client portal, application, approval, signing, premium payment, claims, settlement offer and claim payment.

The companies are able to quickly implement changes to existing products, expand product lines and market new products.

There are no delays occasioned by agents on vacation, sick or on leave.

Product and claim questions are answered via app, email or client portal almost immediately.

For examples of what some insurtech companies look like, see Clearcover (auto), Lemonade (home), Ladder (life), Oscar (health wellness incentive) and Next Insurance (business, professional liability, workers’ comp).

The surge in insurtech products should force changes to the stodgy insurance industry, mandate removal of barriers to entry by new companies, and lead to a change in regulations.

Impossible?

That is what the taxi companies said when Lyft and Uber drove onto the scene.

Friendly and understandable insurance policies? Now that is progress.

Virginia Hammerle is a Texas attorney whose practice includes estate planning, guardianship and probate. Sign up for her newsletter at [email protected]. Contact Hammerle Finley Law Firm to schedule a consultation at hammerle.com. This column does not constitute legal advice.

[lexakrava]

Сплетни, слухи, бизнес! Едем снимать новый #legaltalks с Наталия Владимирова! О чем спросить патентного поверенного #1 в Украине?! https://www.instagram.com/p/BtS9zcMgjbp/?utm_source=ig_tumblr_share&igshid=100b47az8os2

#legaltalks #1

[dalegaldesk]

#legaltalks#thelegaldesk https://www.instagram.com/p/B_eYyl3p9zA/?igshid=t5eib3lg7mpt

#legaltalks #thelegaldesk

[djbenhop]

@djbenhop COMMUNITY CORNER on Excitementradio.com * Guest Speakers @mrslarscott @firststep_legal @florence_gaspard * #excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection https://www.instagram.com/p/CYp-q6dNVrq/?utm_medium=tumblr

#excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection

[berto-online-blog]

Met up with @tracysandersesq for the first installment of #LegalTalk. Got meet #JanPerry. Had a great time! #ThankYou .... #BERTO #BertoOnLine #BertoSays #BertosBanter #Selfie #SocialMedia #SocialNetwork #POST #Photo #Picture #Photograph #NEW #2019 #Blessed (at Burbank, California) https://www.instagram.com/p/BtMZLpqFQQ8/?utm_source=ig_tumblr_share&igshid=1fee5c8689plf

#legaltalk #janperry #thankyou #berto #bertoonline #bertosays #bertosbanter #selfie #socialmedia #socialnetwork #post #photo #picture #photograph #new #2019 #blessed

[rsauud]

Meet #Paralegal Mirna Machado #thebermanteam #lawfirm #legaltalk #thebermanlawgroup www.TheBermanLawGroup.com 1-800-375-5555 Florida Law Firm

[fallscreekoutfitters]

#Repost @dye.durham (@get_repost) ・・・ Check out our new carrier bags!! We're headed up to Northern BC. Spot our courier team and send us a snap if you can catch one!! #DyeDurham #Vancouver #Backpack #LegalTechnology #WestCoast #LegalTalk #LegalTech #BC #BritishColumbia that patch looks great on that bag! Looking good @dye.durham when you guys get a chance, get ahold of me to finish your payment on this project. (at Falls Creek Outfitters)

#bc #repost #backpack #dyedurham #legaltalk #britishcolumbia #legaltechnology #legaltech #vancouver #westcoast

[lwlegal]

Thank you for the blessings of Tristamp flavored livwood. 🖤

i live 2 serve !! theyre such losers i care abt them so much,..

#lw #legaltalks

[lwlegal]

Hi !! ⸜( ´ ꒳ ` )⸝

★ you can call me legal ! im in my 20s ! they/them/it/its. my art tag is #legaldraws and my talking tag is #legaltalks

☆ this blog is a 20+ space ! minors dni ! please block me lol

★ im so bad at technology and online interactions but im super friendly ! feel free to interact with me and my posts whenever you like >u<b

☆ lets all hold hands and talk about trigun <3

★ i love livwood so much (as u can tell by my username ! haha) id be happy if after seeing my art you love them too.

#legaltalks #i wanted a pinned post LOLLL ;)

[lexakrava]

Новый #legaltalks на подходе! Много позитивной энергетики от Vartovi и самого Максим Пучин (Max Puchyn) Удивляет открытость души и желание творить добро в этом мире. Исключительно по запросу конечно же... )) https://www.instagram.com/p/B2eGO0ui3br/?igshid=1tivtjv557ygd

#legaltalks

[lexakrava]

Новый сезон #legaltalks ! Ожидаем монтаж @matselyukh_vitaliy )) https://www.instagram.com/p/B2RIZ-rCMRr/?igshid=tmbjvi9znrds

#legaltalks

[lexakrava]

Новый сезон #legaltalks объявляется открытым! Спасибо @matselyukh_vitaliy за легкий старт! )) #акб #bca #курсыдляюристов https://www.instagram.com/p/B2RBkiQiEpK/?igshid=1hh5thvmlkzfo

#legaltalks #акб #bca #курсыдляюристов

[djbenhop]

@djbenhop COMMUNITY CORNER on Excitementradio.com * Guest Speakers @mrslarscott @firststep_legal @florence_gaspard * #excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection https://www.instagram.com/p/CYp-i1cgZlG/?utm_medium=tumblr

#excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection

[djbenhop]

Tune in on Wednesday Jan. 12 for our Legal Talk Segment on @excitementradio as our guest legal counsels will share the 411 of what's happening in business and family laws spaces. Our legal speakers will be in studio to share some information on what you need to know, best practices & understanding your options when it comes to legal matters. Call in and get you legal questions answered Like, comment, and share this with at least 3 people in need of legal advice. Tune in! Host @djbenhop Guest Speakers @mrslarscott @firststep_legal #excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection https://www.instagram.com/p/CYnQwYUgAT-/?utm_medium=tumblr

#excitementradio #legaltalk #legaladvice #communitycorner #businesses #entrepreneurs #businesslaws #familylaws #knowyourrights #legalprotection

[lexakrava]

И немного #backstage вам в ленту вместе с @pronin_law_you #legaltalk #legaltalks https://www.instagram.com/p/BulLcmAge9X/?utm_source=ig_tumblr_share&igshid=d8yn0gyezyl2

#backstage #legaltalk #legaltalks