procuring insurance lawyer, lawyer, insurance, legal property, damage, bad faith

PROCURING INSURANCE AND ORDERING FOOD AT A DINER AREN’T THAT DIFFERENT…..

When discussing the concept of insurance broker negligence and failure to procure insurance in New York, the discussion usually starts with talks of visiting a doctor or lawyer. When we go to the doctor, we hop onto the table with the understanding and hope that the doctor will examine us and tell us what we need, tell us what is wrong (hopefully nothing at all), and tell us how best to treat whatever ails us. When we see a lawyer, we expect the lawyer to evaluate a situation and advise us as to the best way to approach it.

In New York, many people believe that their consultation with their insurance broker isn’t much different. It certainly isn’t unreasonable for a person to meet with their insurance broker and naturally feel as though they are consulting with a professional, and that professional will evaluate their insurance situation and advise them as to the best route to take and what insurance they need. In many states this may be correct, however, in New York, it is far from the case.

In New York, as far as the law is concerned, an insurance broker is not much different than the waiter at a Long Island diner. A waiter has expansive knowledge of the menu, some level of understanding as to how the dishes are prepared, and can advise you as to what the soup of the day is. A waiter at the diner can tell you if the chef would substitute fries for broccoli on any particular dish, and can let you know if they are all out of the special meatloaf of the day.

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In New York, an insurance broker is treated much the same way…as an “order taker.” In New York, an insurance broker doesn’t have the legal obligation to evaluate your situation and advise as to what coverages are best for you. In New York, an insurance broker has a legal obligation to procure the insurance policy that you request, and if they can’t do so, they have to let you know. In other words, you have to specifically request a particular type of insurance policy with particular types of coverages, and specific limits. Unless you make such specific requests regarding what property or liability coverage you are seeking, you have little recourse in terms of a broker negligence action and can’t turn to them in the event that you unexpectedly find yourself uninsured or underinsured for some casualty loss or catastrophe later on.

Most often we are consulted by those who advise that they requested “full coverage,” and were shocked that they weren’t “fully covered.” Once again, this is not much different from ordering at a typical diner. Asking for “full coverage” is like walking into a diner and telling the waiter to give you a “good meal”. While you may get something that satisfies your hunger, it is really their choice what to bring you. If the waiter brings you a burger and fries, you can’t complain that he didn’t bring you the filet of sole with a side of rice pudding. You didn’t ask for it… there was no “specific request.

Asking for a “homeowner’s policy” isn’t much different than asking for a “lunch special.” The waiter can bring you the meatloaf special, or the stuffed lobster special, or the gyro platter special… and regardless of what is delivered to the table, the waiter fulfilled his duties.

There are certain situations where this dynamic changes… particularized situations may give rise to what is often referred to as a “special relationship,” but these situations are particularized indeed. Brokers do have the ability to step outside their legal role as an “order taker” and assume additional duties and responsibilities, but that doesn’t happen in the most common and typical scenarios. Most often, people call their broker and simply tell them they need a “homeowner’s policy”, and at times like that they need to be reminded that all they did was order the lunch special.

It is very important to note that Greenblatt Agulnick works with many insurance brokers and considers those friends and colleagues incredibly knowledgable about honorable, and able to competently address issues ranging from underwriting to loss ratios to coverage issues. In our minds, those friends and colleagues are certainly “professionals.” However, in the eyes of the law, they are not. To turn back to our diner analogy, they know the menu inside and out, and know each recipe, and know where each ingredient was sourced. However, that doesn’t change the fact though that they are only legally obligated to get you what you ask for.

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For these reasons, it is essential to ask your broker as many questions as you need, so as to ensure that you know what is available, the coverages, the exclusions, co-insurance, deductibles, hurricane deductibles, flood coverage, additional living expenses, sewer backup, limits, and on and on. Only then can you make a proper decision as to what coverages to specifically request and only then can the insurance broker properly service your needs. Have a conversation about the menu, the ingredients, what is homemade and what is not, and most important, the size of the portions. Only then will you have the requisite knowledge to make that specific request and get the meal (or insurance policy) that fits your needs.

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Ainsi, pour se prémunir des maux liés au mauvais œil ou à la sorcellerie, il convient régulièrement de lire le Coran et faire des invocations notamment celles du matin et du coucher, de réciter régulièrement la sourate « La vache », de renouveler son intention, de placer la certitude dans son cœur, d’effectuer ses prières etc., et surtout de demander à Allah la meilleure des protections. Toutefois, dans certaines conditions, il est nécessaire de recourir à un soignant. C’est à ce stade qu’il convient d’être vigilant. Il ne suffit pas de se rendre auprès d’une personne qui se présente avec la qualité de cheikh ou d’imam pour accepter de lui confier cette pratique. Comme pour tout procédé et encore plus lorsque cela relève de considérations religieuses, il est important de bien choisir son soignant car ce dernier est tenu de posséder des qualités bien affirmées. La maîtrise du Coran et des traditions prophétiques en la matière est une condition sine qua none, mais insuffisante. La personne doit également avoir des notions de psychologie afin de déterminer la part de sorcellerie et celle de troubles psychologiques fréquents chez les patients. La personne doit posséder une bonne hygiène de vie, notamment spirituelle puisqu’il n’est pas inutile de rappeler que le succès de la « roqya » dépend de Dieu. Ces critères sont difficilement évaluables, surtout par une personne qui est affectée par un mal-être, quelle que soit sa source. C’est pourquoi les proches doivent accompagner la personne dans la recherche d’un soignant qualifié et reconnu comme tel par des référents religieux de la localité (imam, responsables associatifs, etc.). De manière générale, le soignant doit posséder des qualités déterminées que nous pouvons synthétiser de la manière suivante. Il doit : être en capacité de lire le Coran, croire avec certitude au Coran, être empreint de piété, connaître les pièges et les caractéristiques du diable et des djinns, connaître la méthode prophétique de la « roqya », disposer de connaissances de base en psychologie, avoir la conviction que le succès de sa thérapie dépend de Dieu. A l’exception de la première exigence, il semble difficile de vérifier les autres conditions dans le cadre d’un entretien téléphonique avec une personne que nous n’avons jamais rencontrée, même si elle se présente sous le titre de « cheikh » ou d’un imam. Par conséquent, ces conditions soulignent une première limite quant au recours à la « roqya » par téléphone. Par ailleurs, à l’instar de tout médecin, le soignant doit, avant de prodiguer des conseils ou une médication, procéder à une consultation. Ainsi, un environnement adéquat est indispensable pour la réalisation d’une « roqya ». Il est enfin inconcevable qu’un médecin puisse vous affirmer par téléphone connaître votre maladie et attester pouvoir vous guérir. Vous auriez plus que des doutes sur ce prétendu médecin. II- Un environnement propice et la réalisation d’une consultation préalable à la réalisation d’une « roqya » Il est intéressant de noter que, dans son ouvrage « Comment se protéger des djinns & satan », Wahîd ‘Abdussalâm Bâli évoque l’importance du climat pour réaliser une roqya[2]. Ainsi, il expose les points suivants : « 1. Préparer le climat adéquat en faisant par exemple sortir les images et les statues de la pièce où on va soigner le malade, pour permettre aux anges d’y entrer. 2. Débarrasser le sujet de tout ce qu’il peut porter sur lui comme talismans ou amulettes et les brûler. 3. Éteindre tout ce qui peut émettre le son de la musique et des chants. 4. 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Cette attitude vigilante du médecin traitant doit se retrouver lorsque nous envisageons le recours à une « roqya ». Pour illustrer ce propos, nous citerons l’exemple de l’anthropologue, spécialiste de l’islam européen, Farid El Asri, chercheur associé au Centre Jacques Berque, qui nous rapporte une situation alarmante suite à une « roqya » : « Une jeune femme en Belgique (…) est morte suite à une tentative d’exorcisme. Pendant les séances, les fkihs (imams) utilisent normalement de l’eau « coranisée ». Pour cette jeune femme, prétendument stérile, les exorcistes ont carrément plongé son visage dans l’eau et quand elle tentait d’en sortir pour respirer, les guérisseurs estimaient qu’il s’agissait du jinn qui l’habitait et ils replongeaient son visage dans l’eau. Pendant le procès, la famille de la défunte s’est présentée comme musulmane et a accusé ces pratiques d’être extérieures à l’islam quand les guérisseurs estimaient qu’ils avaient simplement fait ce qu’ils pouvaient. Le fait de recourir trop systématiquement au fkih risque également de faire passer une crise d’épilepsie, par exemple, pour une crise de possession. »[3] Nous allons aborder enfin la dernière problématique, celle relative aux honoraires du soignant. III- Les honoraires du soignant Le Prophète, bénédictions et salut sur lui, « a agréé les Compagnons qui ont été payés pour la roqya ». Il est dès lors autorisé de rémunérer un soignant en contrepartie d’une prestation. Toutefois, cette rémunération doit être raisonnable et surtout clairement définie avant le traitement. En outre, nous ne pouvons que souligner et rappeler que, si la roqya est réalisée dans un cadre sérieux, il convient de procéder à toutes les déclarations administratives. Comme pour tout contrat, vous devez exiger un document écrit et le praticien doit préciser quels sont ses engagements exacts afin d’éviter tout litige postérieur. Malheureusement, tous les témoignages transmis à l’UFCM soulignent que l’interlocuteur insiste à plusieurs reprises sur la gratuité de la prestation. Or, dans les faits, cette dernière est payante puisque le coût de la communication est surtaxé. Ainsi, l’une des victimes qui nous a contacté, s’est retrouvée avec une facture téléphonique (hors forfait) de 1800 euros. Par conséquent, nous constatons que ces « roqyas » gratuites sont fondées sur la technique dite du « call-back » qui consiste à amener une personne à rappeler un numéro surtaxé, information qui lui est bien évidemment dissimulée. Une « roqya » peut être payante à condition de respecter un cadre prédéterminé, fondé sur l’information et la transparence des honoraires. En conclusion A la lumière des développements susvisés, l’UFCM appelle d’une part à une régulation du métier de la pratique de la « roqya », d’autre part, à la vigilance de chacun à ne pas céder à la tentation d’une « roqya » qui ne serait pas réalisée dans les conditions requises et qui pourrait produire des effets inverses. Au-delà du cadre spirituel ou juridique, les divers témoignages reçus et étudiés par l’UFCM ne peuvent pas nous laisser indifférents à la question suivante : pourquoi des personnes sont-elles amenées à accepter aussi facilement une « roqya » par téléphone ? Est-ce la gratuité qui a déterminé leur choix ? Certes le mal-être produit par cette société est de plus en plus grand. Nous vivons une époque où les êtres sont de plus en plus coupés des signes de Dieu et vivent un rythme de vie effréné. Ces affaires sont révélatrices des maux les plus profonds qui touchent la communauté musulmane. Par ailleurs, comme l’ensemble des rites islamiques (hajj, halal, pompes funèbres) censés nous rappeler les limites qui déterminent la voie vers Dieu, nous constatons que leur marchandisation trahit de plus en plus leur vocation première. Suffit-il qu’un interlocuteur se présente à nous comme un « cheikh » ou un imam et qu’il nous propose une « roqya » gratuite pour l’accepter aussitôt Ne devrions-nous pas tous nous interroger sur le fait qu’il y ait des musulmanes et des musulmans aussi isolés et aussi ignorants de leur propre religion pour être trompés aussi facilement ? Sommes-nous devenus si dépendants des Hommes que nous en oublions de nous adresser directement à Dieu pour solutionner nos malaises ? Autant de questions que chacun d’entre nous a la responsabilité de se poser. En effet, aucun de nous ou de nos proches ne sont à l’abri d’une telle tromperie. 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