20 déc What Is Stated In The Insuring Agreement
In Hanlon v. ING3, the British Columbia Court of Appeal interpreted a landlord and tenant policy that caused damage to a house in Salmon Arm through a marijuana grow operation. The damage included wet, soaked and burned carpets, the removal of bathroom faucets, replaced by blocks of exterior pipes, holes that were drilled into the walls of the bathroom so that they could pass pipes, lifting and soiled wallpaper, lifting square tiles, mold and what the unfortunate owner of the land described as a « strange smell ». The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer. 10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. :11 An insurance manual states that, as a general rule, « the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy.  The manual also states that policy must refer to all documents that are part of the policy.  Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right. Promotional materials and flyers are generally not part of a directive.  Oral contracts may be entered into until a written policy is issued.  In addition, Section 30 of the Financial Administration Act9 pursued the insurance and risk management account as a special account to provide insurance or risk management services to participants such as public agencies, departments and individuals or authorities designated by the regulation.
The government has been authorized by this section to enter into agreements or to enter into agreements with participants on insurance or risk management. Regulations have been authorized to designate a person or authority as a participant, respecting the conditions under which agreements can be concluded and respecting payments (of the type of bonuses). In 1941, the insurance industry has begun to move to the current system, in which the risks covered are first generally defined in an « all risk » or « all sums » in order to guarantee a general insurance agreement (e.g.B. « We pay all amounts that the insured has legally been required to pay for damages »), and then are limited by subsequent exclusion clauses (e.g. B « This insurance does not apply »).  If the insured wants coverage for a risk taken by an exclusion on the standard form, the insured may sometimes pay an additional premium for the approval of the policy that suspends the exclusion. The granting of coverage and the words of the policy are of the utmost importance. It is important to understand how the policy is written and structured. Often it is necessary and always helpful to start with the type of policy you are dealing with and what risks the insured has tried to cover. If you`re just looking at the coverage, you`re not enough to make the most important findings. The statement page, exclusions and possible exceptions to exclusions should also be taken into account.
Insurance of agreements is necessary in the event of a dispute over whether a particular injury is covered or not.