There are millions of teen drivers on the road in all of the fifty states. It is important for these drivers to be very cautious because they lack the experience to be able to think quickly on their toes and avoid becoming involved in an automobile accident. When a teen gets their license at around [...]

The Illinois Appellate Court rocked the TCPA world on Friday when it issued its decision in Standard Mutual Insurance Company v. Lay, 2012 IL App (4th) 110527 (April 20, 2012). The Court determined that the $500 liquidated damages assessed against a real estate agency for each ad faxed to a recipient without its permission, in violation of the [...]

Until recently it was extremely difficult to purchase commercial insurance online. Read more…

It is black letter law that in order to recover under an all risk policy, the insured has the burden of showing that its loss resulted from a fortuitous event. ”Fortuitous” means happening by chance or accident, or occurring unexpectedly or without known cause. Black’s Law Dictionary 664 (7th ed. 1999).   If the insurer knows of a [...]