Ethics: Law & Documentation

"Criminal Offense Claims

• Duties and cooperation of insured - a section of the policy that lists the varied duties and necessary cooperation of the insured when faced with a claim an/or incident. It indicates the length of time advisable in which to notify the insurer after a claim is made and the necessary cooperation, e.g., obtaining and giving evidence, attending hearings and trials, helping to obtain the assistance and attendance of witnesses, and helping in the enforcement of any contribution from others (if any) who share some of the responsibility for the incident (called "right of contribution") or from some other person who is totally responsible for the incident (called "right to demnification").
• Definitions - insurance terms and their definitions as well as definitions of words that may be construed differently than intended.
• Non-Renewal or cancellation - a section that describes insurer cancellation or non-renewal conditions. Generally, the requirement for non-renewal is a written notification to the insured at least 30 days before the expiration date. The requirement for cancellation is a written notice at least 10 days before cancellation for premium non-payment and at least 30 days before cancellation for any other reason."

(Legal and Ethical Issues in the Health Professions by Sharon Burch, 2006, p. 15)