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A video that explains when the rules of messages and prejudices do not apply



Watch the full video at https://youtu.be/ROzLqTpsa6Qebrit19659002??Claimers and claims and reported policies contain a certain notice period. In Colorado, the Colorado Supreme Court ruled:

“The application-bias rule does not apply to a date-specific termination claim in an insurance policy. In an insurance policy, the date-specific termination requirement defines the scope of the coverage. To excuse late termination in violation of such a requirement would thus rewrite a basic term in the insurance contract. ”( Craft v. Philadelphia Indemnity Insurance Company 2015 CO 11, 343 P.3d 951)

The conceptual differences between occurrence and liability insurance policy are at the heart of this case. The Colorado Division of Insurance defines an event policy as "an insurance policy that only provides liability insurance for damage or damage that occurs during the insurance period, regardless of when the claim is actually made." (3 Colo. Code Regs. 702–5: 5–1–8 (2014).)

Damaged insurances usually contain a second type of termination claim that does not exist in event policies: the requirement that the insured notifies a claim within the insurance period or a defined reporting period thereafter. Such a requirement for notice period fulfills a very different function than a requirement for prompt notification.

If a prompt notice requirement allows the insurer to investigate the claim and negotiate with the third party claiming the claim, the date-specific notice requirement defines the temporary limits of the policy's basic coverage terms.


© 2020 – Barry Zalma

Barry Zalma, Esq., CFE, now limits his practice to employment as an insurance consultant specializing in insurance coverage, insurance claims handling, bad faith insurance and insurance fraud almost equal to insurance companies policyholder. 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 attorney-at-law attorney and more than 52 years in the insurance industry. He is available at http://www.zalma.com and zalma@zalma.com.

Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.

For the past 52 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following libraries with books and other materials to enable insurance companies and their claims personnel to become insured.

Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts [19659002] Go to Barry Zalma on YouTube- https://studio.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/videos/upload? filter =% 5B% 5D & sort =% 7B% 22columnType% 22% 3A% 22date% 22% 2C% 22sortOrder% 22% 3A% 22DESCRIPTION% 22% 7D

Go to the library for insurance claims – https: // zalma .com / blog / insurance-claims-library / Chapter19459011 Premie19659002POST19459010 ?? e-mail version of ZIFL, it's free! –

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Read the last two questions by ZIFL here. https://zalma.com/zalmas-insurance-fraud-letter-2/vud19459011achte Chapter19659002achte Chapter19459010 ?? Go to the Barry Zalma, Inc. website here https://www.zalma.com/ Chapter19459011]

Listen to my podcast, Zalma on Insurance, on:

https://podcasts.google.com/?q=zalma%20on%20insuranceZalma on Insurance –


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