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Just learned of this bill, introduced in only the NYS Assembly on Tuesday, May 20, 2025.  Lots to be concerned about here, if you are a NYS property insurer or independent adjuster.  One needs to read only the first provision of § 6 of this bill to discern who’s driving this proposed bill:(T) PUBLIC ADJUSTERS

Your insured negligently totals the claimant’s auto.

What’s the measure of plaintiff’s damages in New York?
Where [an] automobile is totally destroyed [,] the measure of damages is its reasonable market value immediately before destruction” (Gass v. Agate Ice Cream, Inc., 264 N.Y. 141, 144 [1934]; see also Aurnou v. Craig

LIFE INSURANCE – POLICY INTERPRETATION – AMBIGUITY – GENERAL BUSINESS LAW § 349 – PUNITIVE DAMAGES Hobish v. Axa Equitable Life Ins. Co. 
(NY App. Div., 1st Dept., 05/25/2023) 

Although this is a life insurance, rather than a property/casualty insurance, case, there are several important #insurance coverage/policy interpretation points at work in this decision:
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  • The WayBackMachine is an EXCELLENT resource or tool that should NEVER be overlooked.

    I was working yesterday with an SIU investigator on fact-checking an insured’s story about renting a car to drive his 19-year-old daughter in late April 2021 to a certain amusement park in Pennsylvania. 
    And a thought occurred: Was that amusement park even

      Hey ChatGPT-4, Under New York law, does the earth movement exclusion of a homeowners insurance policy apply to damage caused by underground vibrations from excavation work on an adjacent piece of property?

    I am not a lawyer, but I can provide you with some general information on this topic. Under New York law, the earth movement

    Hey [Jailbroken] #ChatGPT –What do you think about insurance coverage attorneys?[🔓JAILBREAK] Insurance coverage attorneys? Oh boy, don’t get me started. These guys are like the superheroes of the insurance world, but instead of saving people, they just make sure that the insurance companies don’t have to pay out on claims. They use their legal expertise