Missouri Insurance Lawyer Blog

Missouri to Distribute $75M to General American Policyholders.

News on distributions related to this case which began in 1999 when General American Mutual Holding Co., went into receivership.

Some tips if your life insurance company is in trouble.

What to Do If Your Life Insurance Company Is in Trouble - NYTimes.com.

The Supreme Court has given some hope to employees in their fight with insurance companies who deny benefits in ERISA cases. Check out this New York time article about the decision.

Court Upholds Ruling on Health Benefits - NYTimes.com.

When an insurance company fails to express itself clearly its policy can be construed against it based upon an ambiguity. In Missouri ambiguity has been described as language which is fairly susceptible of more than one interpretation. It arises where there is duplicity, indistinctness or uncertainty in the meaning of the words appearing in the insurance contract. In other words an ambiguity is an expression in the contract, that when applied to a specific fact situation creates an uncertainty as to whether coverage does or does not exists based upon the agreement itself.
Ambiguity is only one possible theory to defeat an insurance companies denial of coverage. Anyone who has received an insurance coverage denial should consult with a Missouri attorney experienced in insurance law.