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AIDS and the insurer's right to rescind the insurance contract

Article Abstract:

The insurance industry has been faced with increased costs due to the AIDS epidemic and some insurers have reacted by rescinding health insurance contracts. The early age at which AIDS is typically contracted makes it difficult for the insurer's reserve fund to grow enough to avert losses. In addition, the insurance industry is not economically viable when there is a substantial likelihood for too many of the insured that the risk taken on will occur. Both factors militate in favor of removing the burden of AIDS treatment from private insurers and placing it in the public sector with tax funding.

Author: Hudgins, Leon Paul
Publisher: Federation of Defense and Corporate Counsel
Publication Name: Federation of Insurance & Corporate Counsel Quarterly
Subject: Law
ISSN: 0887-0942
Year: 1992
Care and treatment, Management, Health insurance, AIDS (Disease)

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Environmental insurance coverage litigation

Article Abstract:

There is no legally binding insurance coverage for deliberate, long-term pollution, as shown by the decision of In re Texas Eastern Transmission Corp PCB Contamination Insurance Coverage Litigation. The case was a total victory for the insurer, and it concerned $750 million in cleanup expenses. Some of the rulings in the case covered late notice, pollution exclusion, occurrence findings, damages findings, future claims and owned property findings.

Author: Rivkin, John L.
Publisher: Federation of Defense and Corporate Counsel
Publication Name: Federation of Insurance & Corporate Counsel Quarterly
Subject: Law
ISSN: 0887-0942
Year: 1993
Cases, Pollution liability insurance, Toxic torts

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