David Thamann writes in a column over at PropertyCasualty360.com about liability coverage questions of the future. This is the kind of stuff that gets the pulse of every red-blooded American insurance geek racing. The three questions he poses are:
Let's say that a man named Mr. Smith decides to text a friend or business associate when Smith knows the person is driving and will read the text immediately. How will Smith's personal auto policy or business auto policy respond if the friend or associate has an accident because he was distracted as a result of reading the text? ...
A post I recently read tells of a husband who is suing an attorney owned website that assists married individuals in the quest of an affair. The husband claimed that his wife left him for another man she met on the website. No doubt the attorney has general liability and professional liability insurance, but would either policy actually apply to such a claim? ...
Finally, we have the amazing announcement that Amazon plans to make deliveries by drones. Presuming the government allows this plan to take effect, what type of insurance coverage issues will develop? There would seem to be plenty.
Will a Personal Auto Policy respond if your daughter sends a text to her BFF and said BFF hits a pedestrian? Will a professional liability policy cover a lawsuit from an enraged alienated spouse? When drones are flying overhead and something goes wrong, will it be the drone-owner's insurance that pays, or will it be the insurance of the person or business getting the delivery?
And who is accepting responsibility for the decision to hold the Super Bowl in the northeast in the middle of winter? Wait -- not an insurance question. My bad.
What claims of the future do you imagine just before drifting off to sleep at night? Fire away in the comments.