THE TOP INSURANCE LAW CASES OF THE PAST DECADE

 

Over the
past decade, the
insurance industry has seen several notable cases that have shaped the legal
landscape. These cases cover a range of issues, including coverage disputes,
bad faith claims, and regulatory compliance. In this essay, we will explore the
top insurance law cases of the past decade and their significance.

 

1. United States v. Quality Stores,
   Inc.

This case
centered around whether severance payments made to employees who were
terminated involuntarily were subject to FICA taxes. The Court held that these
payments were taxable wages subject to FICA taxes, overturning a lower court
decision. This ruling has significant implications for insurance companies that
offer policies covering employment taxes or payroll services.

 

2. King v. Burwell

The Affordable
Care Act (ACA) mandated that states establish insurance exchanges where
individuals could purchase health insurance. However, some states chose not to
establish exchanges, leading to the question of whether individuals who
purchased insurance through the federal exchange were eligible for premium tax
credits. In King v. Burwell, the Court held that individuals who purchased
insurance through the federal exchange were indeed eligible for premium tax
credits, ensuring that millions of people could continue to afford health
insurance.

 

3. Travelers Indemnity Co. v.
   Bailey

In Travelers
Indemnity Co. v. Bailey, the Court held that an insurer's duty to defend its
insured was broader than its duty to indemnify. The Court ruled that if there
was any potential for coverage under the policy, the insurer had a duty to
defend the insured against any and all claims made against them. This ruling
has significant implications for policyholders, as it ensures that insurers
cannot refuse to defend a claim simply because they believe there is no
coverage.

 

4. State Farm Mutual Automobile
   Insurance Co. v. Campbell

In State
Farm Mutual Automobile Insurance Co. v. Campbell, the Court held that punitive
damages must be reasonable and proportionate to the harm caused by the
defendant's conduct. The Court held that the excessive punitive damages awarded
against State Farm were unconstitutional, as they were more than 145 times the
amount of compensatory damages awarded to the plaintiff. This ruling has
significant implications for insurers, as it ensures that they will not be
subject to excessive punitive damages that are not proportional to the harm
caused.

 

5. BMS v. Superior Court of
   California

BMS v.
Superior Court of California involved a jurisdictional dispute over whether
non-resident plaintiffs could sue a defendant in a state where the defendant did
not have a significant presence. The Court held that non-resident plaintiffs
could not sue a defendant in a state where the defendant did not have a
significant presence, unless the claims were related to the defendant's
contacts with the state. This ruling has significant implications for insurance

companies, as it ensures that they will not be subject to lawsuits in states
where they do not have a significant presence.

 

6. Progressive Northwestern
   Insurance Co. v. Gant

In
Progressive Northwestern Insurance Co. v. Gant, the Court held that an
insurance policy's exclusions should be narrowly construed against the insurer
and in favor of the insured. The Court held that the insurer could not rely on
an exclusion to deny coverage unless the exclusion was clear and unambiguous.
This ruling has significant implications for policyholders, as it ensures that
insurers cannot rely on unclear or ambiguous policy language to deny coverage.

 

7. Hertz Corp. v. Friend

Hertz Corp.
v. Friend involved a dispute over whether a corporation's principal place of
business was its headquarters or the place where its operations were primarily
managed. The Court held that a corporation's principal place of business was
the place where its operations were primarily managed. This ruling has
significant implications for insurance companies, as it ensures that their
principal place of business will be properly identified for regulatory and tax
purposes.

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