Insurance, the Law, and Government's Purpose in the Mess

[BlackAkita]

I don't usually read legal essays, since law is a challenging subject shrouded in technical interpretations, money and emotion. This article pulls no punches in the adjudication challenges of payout decisions.
https://www.mwl-law.com/why-molten-lava-...-dont-mix/

To expect the insurance industry to simply provide a safety net for what might aptly be called a “pre-existing condition” is counterintuitive to the concept of insurance itself. To “insure” means to “arrange for compensation in the event of future damage or loss and secure against a possible contingency in the future.” When the contingency is a certainty, it stops being insurance and veers wildly outside of the economic system we know as “free enterprise.”

The law firm that posted the article on its website has far more experience in contesting or fighting for complainants. When liability is concerned, they might have to deal with two ends of the court process. I don't have a stake in the real estate market in Puna, at least yet. I wonder if the cost of insuring a property will drive me to the poor house, and even whether the lack of liability insurance will nail me in "Better Call Saul" lawsuit for slip and fall. How many Punaweb members hold titles to second homes in the area, and how are you dealing with obtaining personal liability insurance? One agent tells me that HPIA is the cause of liability insurance not being possible to buy.