Plain Language Laws Is a Misnomer Term
The Plain language laws have failed at making insurance policies readable.Many insureds, including Workers Comp, complain vehemently that insurance policies are almost impossible to read. Some states have laws that require insurance policies to be written in layperson’s terms. As most, if not all, insurance policies are designed and written by attorneys, this is usually not the case.
We receive a large number of emails and phone calls from employers that have questions on a policy provision. The main area of questions comes from the Premium Audit part of the policy or the Declarations Page.
Just reading the back of a traffic ticket can make your head spin. Realty possesses a large amount of plain language laws. Each state requires a real estate agent to use generic forms that are state-approved.
Plain language laws have failed at making policies readable. I sometimes receive endorsements to my personal and business polices that make no sense except to the lawyer that wrote them. If you ask your insurance agent, sometimes even they do not know what certain policy provisions mean to you as an insured.
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