Alcohol inducement doesn’t support accidental conduct

From IRMI Personal Lines Pilot, Case of the Month, “Insurer Not Liable for Alcohol-Fueled Family Injury” As the year ends, it brings a time for families to gather, celebrate, and share in holiday cheer. A recent Georgia case, however, cautions that insurance may not cover a family strife-related loss caused by overindulgence in holiday cheer. A federal court in Georgia ruled that a woman’s lawsuit against her father-in-law should be funded by the father-in-law, not his insurers’ pockets. The case is Nationwide Prop....

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Clothes Dryer Fires Cost $35M a Year

From Insurance Journal article, key points… “Failure to clean” was the leading factor causing ignition of clothes in residential fires. Lint is a highly combustible material which can accumulate in the dryer and the dryer vent, reducing airflow and posing a fire hazard. This should be on the “spring cleaning” list each year, though most of these fires seem to take place in the fall and winter...

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Bay Area Burglary Spike

From San Jose Mercury News article, Aug 7, 2012. Good advice to prevent burglaries, Lock doors and windows.  Call police if you see someone or something suspicious.  Get a burglar alarm or use it if you already have one.  Trim back hedges and vegetation near doors and windows.  Record serial numbers of expensive items and take photos of them.  Put items like jewelry in a safety deposit box.  Install tracking apps on smartphones and tablet...

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