We’re asking for thoughts and prayers for our friend Editilla

We may know the sound of unbroken belief
with a bucket of seed and the pigeons beside us.
And we slide down the wet stones of the street
to a little cafe named for the goddess of flowers.
There the 8 Ball lines up with the Lucky 13
and Snake Eyes and Diamonds and Demons in Chains,
and the Angel waits for St Ann to begin
with her masque made of sorrow and her laugh made of sin.
So when I die…
please think of me down Royal Street
with a Brass Band and the 2nd Line beat
through the courtyards in the Marigny
and lay me down my soul to sleep.

May his body be mended.

We got your back brother.


Reading and Rights – literacy and the “affirmative duty to read a contract of insurance”

“Policyholders should be aware that Mississippi law provides that insureds have an affirmative duty to read a contract of insurance and are bound by the contents thereof”, according to the Mississippi Insurance Department’s (MID) Policyholder’s Bill of Rights (PBOR).

Merriam-Webster’s Dictionary of Law defines affirmative duty as, “involving or requiring the application of effort”.   In other words, what the law actually requires is that insureds make an effort to read their insurance contract. What a relief!

An important study, by Forrest E.Harding in the Journal of Risk and Insurance in 1967, found that a specimen auto policy was substantially more difficult to read than Albert Einstein’s The Meaning of Relativity.  In response to urging by consumer groups, Plain English advocates, and regulators, insurance companies began to revise and simplify their contracts as far back as the 1970s—some voluntarily, some in response to state laws.

David Rossmiller, quoted above, took a look at policy language in Plainly Ambiguous: Have Plain English Laws Made Insurance Policies Less Ambiguous? (Oregon Association of Defense Counsel, Spring 2008):

…there is little evidence that insurance consumers can better understand policies now than they could at the time of the Harding study, Continue reading “Reading and Rights – literacy and the “affirmative duty to read a contract of insurance””