What to do when an insurance company breaches its contract

Written by Maui Reyes

With so much paperwork given to you by insurance companies, most people tend to overlook exactly what their contracts are about.

It is part of insurance law that any ambiguity or uncertainty inrepparttar choice of wording in a contract will be resolved in favor ofrepparttar 119170 policy holder, and notrepparttar 119171 insurance company. This often works in favor ofrepparttar 119172 policyholder when it comes to pointing fingers in court, but not allrepparttar 119173 time.

Most policyholders tend to have their own interpretation ofrepparttar 119174 contract. Unfortunately,repparttar 119175 judge doesn’t care aboutrepparttar 119176 policyholder’s understanding ofrepparttar 119177 wording. In court, “plain meaning” is whatrepparttar 119178 judge looks at. “Plain meaning” is how an ordinary citizen or common reader understandsrepparttar 119179 text, and not howrepparttar 119180 policyholder, insurance company, or lawyer interprets it.

While courts do not necessarily interpret a contract atrepparttar 119181 expense ofrepparttar 119182 policyholder experiencing a loss, it does not give leeway for “misunderstandings” of plain text byrepparttar 119183 policyholder.

Which is why contracts must be free of any ambiguities for bothrepparttar 119184 insurance company andrepparttar 119185 policyholder. Whenever exclusions or limitations are stated, they must be stated very clearly. Oftentimes, insurance companies fail to fully explain these limitations to their clients, resulting in them successfully denying certain coverage when there is a loss. It isrepparttar 119186 insurer’s policy to explainrepparttar 119187 contract torepparttar 119188 client, especially if he is not aware of his rights or if he does not know if he is getting what is due fully his. However,repparttar 119189 insurer is not required to tell himrepparttar 119190 adequacy ofrepparttar 119191 insurance amount he selected. Keep in mind that when a contract contains provisions that are in favor ofrepparttar 119192 company,repparttar 119193 court will deem this unconscionable, and may refuse to enforce such provision.

Sexual Harassment in the Workplace

Written by Maui Reyes

According torepparttar EEOC, 40% of all working women claim to have been sexually harassed at some point in their career. Obviously, sexual harassment, although deemed as taboo and obviously inappropriate behavior, occurs more often than we perceive it to be.

If you or anyone you know has been sexually harassed inrepparttar 119169 workplace,repparttar 119170 first step is to come forward with it. Report to your supervisor, employer, or torepparttar 119171 human resources department. Many victims of sexual harassment are afraid to come forward because they fear they will lose their job, won’t get support from their boss, or be labeled as a tattletale. Unfortunately, many women makerepparttar 119172 mistake of keeping mum about these events, which only causes them stress, anxiety, and other emotional feelings that could affect their performance inrepparttar 119173 workplace.

First, make sure you know what kind of harassment you were exposed to. Some examples are beingrepparttar 119174 subject of or being told sexual jokes, being stared at in a malicious manner, cat calls/whistles, offensive, derogatory and pornographic materials displayed before you, being cornered or blocked/followed allrepparttar 119175 time, being pressures for sexual activities, or being sexually assaulted.

However, there are other events that are not considered as sexual harassment. Mutual flirting, having consensual sexual relations, and display affection between friends (as long as both are comfortable with their actions) are not considered sexual harassment.

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