See the full video at https://youtu.be/3R70RRxjl18  Need to prove the policy
The first obligation for an insured who sues an insurance company is to prove the existence and terms of the insurance as claimed and the mood is based on. The party seeking coverage bears the burden of proving the existence of the policy and its material terms.
Both parties assume that the insured (Zidell) has the burden of proving cover while the insurer (London) has the burden of proving an exclusion from the cover.
Lost or destroyed policy for Insurance
Insurance claims often arise long after the expiration of an insurance policy that may still be required to insure and insure the insured. The proof of such insurance has created a new and unique profession called insurance archeology. If the damage first occurred many years after the expiration or cancellation of an insurance policy and the insurance is lost or destroyed, the insured can still prove its existence and its contents by "an unsigned copy or by oral evidence." v. Occidental Life Insurance Company of California 248 Miss 328, 158 So.2d 735 (1963), the Court cited with approval the general well-established rule that an insurance policy may be terminated at any time before loss, by agreement between the parties, and that such cancellation may be made with the consent of the parties, expressed or implied from the circumstances regardless of the terms of the policy. When the insurance contract was actually terminated by agreement between the parties voluntarily and deliberately done when the lost insurance contract was signed and implemented. T U.S. Pat. Fire Ins. Co. v.Coggins 195 So.2d 482 (Miss., 1967).
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to employment as an insurance consultant specializing in insurance coverage, insurance claims handling, unfaithful insurance and insurance fraud almost equally for policyholders and policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurance companies and their claims staff to become insurance claims personnel.
Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/ c-262921
Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts  Listen to the podcast: Zalma on Insurance https://anchor.fm/dashboard/episodes Zalma on Insurance
Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/ [194590gotoinsuranceclaimslibrary-https://zalmacom/blog/insurance-claims-library/
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