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Indiana Law Journal

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Full-Text Articles in Insurance Law

The Limits Of Regulation By Insurance, Kenneth S. Abraham, Daniel Benjamin Schwarcz Jan 2022

The Limits Of Regulation By Insurance, Kenneth S. Abraham, Daniel Benjamin Schwarcz

Indiana Law Journal

Insurance is an enormously powerful and beneficial method of spreading risk and compensating for loss. But even insurance has its limits. A new and misleading aspiration for insurance—that it also can and often does substitute for or significantly complement health and safety regulation—is increasingly in vogue. This vision starts from the uncontroversial recognition that insurers typically adopt measures designed to counteract “moral hazard,” the tendency of insurance to blunt policyholders’ incentives to take care. But proponents of this vision go on to contend that the risk-reducing potential of insurance is significantly more extensive than is traditionally imagined, because insurers are …


The Specific Consumer Expectations Test For Product Defects, Clayton J. Masterman, W. Kip Viscusi Jan 2020

The Specific Consumer Expectations Test For Product Defects, Clayton J. Masterman, W. Kip Viscusi

Indiana Law Journal

In this Article, we propose that courts adopt an amended version of the consumer expectations test that we call the “specific consumer expectations test.” The specific consumer expectations test would apply to any product or product component for which consumers have clear, articulable ex ante expectations about the function of the product. Under the specific consumer expectations test, a defendant is liable if consumers expected such a product to reduce a particular risk, and the product in fact increased that risk. Similarly, if a product was intended to convey a particular benefit, but in fact harmed consumers along the same …


The Promises And Pitfalls Of Harmonization: What Insurance Guarantee Schemes Tell Us About When Harmonization Works, Jordan Burton Jan 2018

The Promises And Pitfalls Of Harmonization: What Insurance Guarantee Schemes Tell Us About When Harmonization Works, Jordan Burton

Indiana Law Journal

In Part I, this Note considers the mechanisms of harmonization and the regulatory and fairness policy concerns that harmonization is designed to address. Part II explores some of the problems harmonization can create, with an eye toward how those problems manifest in the IGS context. Finally, Part III discusses how IGS address an urgent and inevitable problem that affects actors in the insurance market at every level. By analyzing comments on the Commission’s White Paper, Part III proposes that these three factors—convergence of stakeholder interest, inevitability, and urgency— are key to understanding when member states, EU citizens, and industry actors …


It Saves To Be Healthy: Using The Tax Code To Incentivize Employer-Provided Wellness Benefits, Hilary R. Shepherd Jan 2016

It Saves To Be Healthy: Using The Tax Code To Incentivize Employer-Provided Wellness Benefits, Hilary R. Shepherd

Indiana Law Journal

With lifestyle-related disease on the rise and an increasing number of employers being held responsible for providing health insurance to their employees, we as a society have incentives to promote wellness, even if only to cut health care costs. Part I of this Note outlines a brief history of employer-provided wellness benefits and provides a concise summary of the employer-provided wellness benefits available. Part II analyzes the relevant federal income tax law, specifically, the fringe benefits provision of the Internal Revenue Code, and concludes that under existing tax law, on-premises gym facilities do not yield any taxable income to employees, …


Effective And Constitutional: Goals For A Hurricane Response Plan In The Aftermath Of Hurricanes Katrina And Rita, Neal Mchenry Oct 2009

Effective And Constitutional: Goals For A Hurricane Response Plan In The Aftermath Of Hurricanes Katrina And Rita, Neal Mchenry

Indiana Law Journal

No abstract provided.


Insuring Corporate Crime, Miriam Hechler Baer Jul 2008

Insuring Corporate Crime, Miriam Hechler Baer

Indiana Law Journal

Corporate criminal liability has become an important and much-talked about topic. This Article argues that entity-based liability-particularly the manner in which it is currently applied by the federal government---creates social costs in excess of its benefits. To help companies better deter employee crime, the Article suggests the abolition of entity-wide criminal liability, and in its place, the adoption of an insurance system, whereby carriers would examine corporate compliance programs, estimate the risk that a corporation's employees would commit crimes, and then charge companies for insuring those risks. The insurance would cover civil penalties associated with the entity's employee-related criminal conduct. …


A Right Without A Potent Remedy: Indiana's Bad Faith Insurance Doctrine Leaves Injured Third Parties Without Full Redress, Gregory A. Bullman Oct 2002

A Right Without A Potent Remedy: Indiana's Bad Faith Insurance Doctrine Leaves Injured Third Parties Without Full Redress, Gregory A. Bullman

Indiana Law Journal

No abstract provided.


Insurance-Weight Of Evidence-Construction Of Policy-Proximate Cause Jan 2000

Insurance-Weight Of Evidence-Construction Of Policy-Proximate Cause

Indiana Law Journal

No abstract provided.


Bridging The Gap Between Life Insurer And Consumer In The Genetic Testing Era: The Rf Proposal, Christopher M. Keefer Oct 1999

Bridging The Gap Between Life Insurer And Consumer In The Genetic Testing Era: The Rf Proposal, Christopher M. Keefer

Indiana Law Journal

No abstract provided.


Physician Employment Under Managed Care: Toward A Retaliatory Discharge Cause Of Action For Hmo-Affiliated Physicians, Peter B. Jurgeleit Jan 1997

Physician Employment Under Managed Care: Toward A Retaliatory Discharge Cause Of Action For Hmo-Affiliated Physicians, Peter B. Jurgeleit

Indiana Law Journal

No abstract provided.


Insurance Discrimination Against Battered Women: Proposed Legislative Protections, Ellen J. Morrison Jan 1996

Insurance Discrimination Against Battered Women: Proposed Legislative Protections, Ellen J. Morrison

Indiana Law Journal

No abstract provided.


And Promises To Keep: The Future In Employment Discrimination, Julia C. Lamber Jul 1993

And Promises To Keep: The Future In Employment Discrimination, Julia C. Lamber

Indiana Law Journal

No abstract provided.


State Insurance Takeover Acts: A Constitutional Analysis After Edgar V. Mite, Christopher Keele Apr 1984

State Insurance Takeover Acts: A Constitutional Analysis After Edgar V. Mite, Christopher Keele

Indiana Law Journal

No abstract provided.


The Rule Of Insurable Interest And The Principle Of Indemnity: Are They Measures Of Damages In Property Insurance?, Emeric Fischer Apr 1981

The Rule Of Insurable Interest And The Principle Of Indemnity: Are They Measures Of Damages In Property Insurance?, Emeric Fischer

Indiana Law Journal

No abstract provided.


Insurer Intervention In Uninsured Motorist Cases, Alan W. Becker Jul 1980

Insurer Intervention In Uninsured Motorist Cases, Alan W. Becker

Indiana Law Journal

No abstract provided.


Indiana's Allowance Of Punitive Damages In Contract Actions Against Insurance Companies: How New Is It?, Susan Marguet Apr 1980

Indiana's Allowance Of Punitive Damages In Contract Actions Against Insurance Companies: How New Is It?, Susan Marguet

Indiana Law Journal

No abstract provided.


Defining Taxable Consumption: A Comment On Personal Insurance Premiums, William D. Popkin Apr 1979

Defining Taxable Consumption: A Comment On Personal Insurance Premiums, William D. Popkin

Indiana Law Journal

No abstract provided.


Consumer Warranty Or Insurance Contract? A View Towards A Rational State Regulatory Policy, Doyal Mclemore Jr. Jul 1976

Consumer Warranty Or Insurance Contract? A View Towards A Rational State Regulatory Policy, Doyal Mclemore Jr.

Indiana Law Journal

No abstract provided.


The Role Of Custom In Medical Malpractice Cases, Richard N. Pearson Apr 1976

The Role Of Custom In Medical Malpractice Cases, Richard N. Pearson

Indiana Law Journal

No abstract provided.


The Insurer's Dilemma, Mark W. Gray Oct 1975

The Insurer's Dilemma, Mark W. Gray

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


Is Malpractice Insurable?, Geoffrey Segar Oct 1975

Is Malpractice Insurable?, Geoffrey Segar

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


The 1975 Indiana Medical Malpractice Act Oct 1975

The 1975 Indiana Medical Malpractice Act

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


A Cure For The Plaintiff's Ills?, Andrew C. Mallor Oct 1975

A Cure For The Plaintiff's Ills?, Andrew C. Mallor

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


The Malpractice Problem-Its Cause And Cure: The Physician's Perspective, James J. Stewart Oct 1975

The Malpractice Problem-Its Cause And Cure: The Physician's Perspective, James J. Stewart

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


A Constitutional Perspective On The Indiana Medical Malpractice Act, Cathryn V. Deal Oct 1975

A Constitutional Perspective On The Indiana Medical Malpractice Act, Cathryn V. Deal

Indiana Law Journal

Symposium: The 1975 Indiana Medical Malpractice Act


The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, Leonard E. Eilbacher Apr 1972

The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, Leonard E. Eilbacher

Indiana Law Journal

No abstract provided.


The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, John G. Ryan Apr 1972

The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, John G. Ryan

Indiana Law Journal

No abstract provided.


The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, Philip C. Thorpe Apr 1972

The Injury Industry And The Remedy Of No-Fault Insurance, By Jeffrey O'Connell, Philip C. Thorpe

Indiana Law Journal

No abstract provided.


Compensation Reform: Accident Costs, And Traffic Safety: Toward A Unified Motor Transport Policy, Phillip C. Thorpe Apr 1971

Compensation Reform: Accident Costs, And Traffic Safety: Toward A Unified Motor Transport Policy, Phillip C. Thorpe

Indiana Law Journal

No abstract provided.


Resolution Of Conflicting "Other Insurance" Clauses: New Developments In Indiana, E. Alan Kirtley Jan 1971

Resolution Of Conflicting "Other Insurance" Clauses: New Developments In Indiana, E. Alan Kirtley

Indiana Law Journal

No abstract provided.