It is unfortunate that an insurance agent is not obligated to advise a policyholder on adequacy of limits of coverage selected by policy holder. There are also other ways wherein insurer can do a breach of contract or violated covenant on good faith and fair dealing. One of situations wherein this act of bad faith happens is when insurance policy has provisions that are extremely in favor only with company and when company used advertising and solicitation materials that are unfair or deceptive.

If you find out that insurer has committed breach of contract and/or breached covenant of good faith and fair dealing, you can recover all damages caused by breach. Damages may be in form of consequential losses, loss of use of insurance proceeds, general damages, attorney’s fees and punitive damages. If you’re recovering from emotional distress and you may also recover damages for emotional distress.

In filing a suit for a bad faith case, there’s a statute of limitations that vary from state to state. In order that your case won’t be barred for trial, know duration period of statute of limitations and be able to file on time. -30-

“President Washington implied that our institutions of learning (schools) should promote teaching of virtue or morality. Where can that virtue be found? In God’s law, Ten Commandments!...the Establishment Clause of First Amendment [Article III of Northwest Ordinance stated that]…Religion, morality, and knowledge being necessary to good government and happiness of mankind, schools and means of education shall forever be encouraged.’”

The “wall of separation” of church and state for America has become, according to Mr. Moore, a separation between God and American government, and that is not good. It was not intent of founding fathers.

Then why do we scurry to remove sibilance of God’s law from federal properties? It started years ago in our Nation’s highest court—the United States Supreme Court. A group of 9 have through years ruled in opposition to our founding father’s original intent for this nation—one nation under Supreme Law of Universe, God’s law. And who has been driving force since WWI to make sure that we “red state heathens” are in compliance? You guessed it. It is ACLU.

One day soon, people of this nation that have remained silent in face of secularism and partisan agenda of ACLU will arise from their sleep and begin to counter juggernaut of ACLU. When that happens, America will awaken to another historical “Great Awakening” where knowledge of God will flow from every fabric of its sacred halls of justice and education like waters of mountain tops flow to seas.

I would encourage you to read this wonderful book and throw your prayerful support behind this man of principle. As I read about his early years at West Point where he learned as an underclassman to endure intimidation, I was encouraged and inspired. He spoke eloquently about ridicule, while tough at time nevertheless, prepared him for Viet Nam and his life’s call that has become a lone stand of principle on God’s law in spite of intimidation and ridicule of high courts and ACLU. Although Mr. Moore is a few years older than I, I too remember twisted-moral indifference of our troops in Viet Nam. I, too, remember and experienced fallout of a nation that had lost its moral compass through 1960s and early 1970s. Those were difficult times, especially in military. I pray that we never fall back to those days.

I pray that America will keep pressing point and praying together for good of this nation. America is great because she is good. If she ever ceases to be good, she will cease to be great. I wish I had said those words. Someone much smarter than I who was not even an American citizen is credited with saying those words when America was young. I would add. America is only good when she honors God’s law above all things, even her Constitution law.

Keep faith America. Stay course, please. Jesus one day soon right all wrongs.

Pastor T.

Faith Fellowship Church PO Box 1586 Broken Arrow, OK 74013

918-451-0270 tdash0355@netzero.com (devotional list sign up)