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Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law

Baris Soyer Orcid Logo

Edinburgh Law Review, Volume: 22, Issue: 2, Pages: 237 - 265

Swansea University Author: Baris Soyer Orcid Logo

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DOI (Published version): 10.3366/elr.2018.0484

Abstract

Determining the scope of the fraudulent claims rule in insurance law has posed a significant challenge for the courts, particularly in the last two decades. In the shadow of the doctrine of utmost good faith, the law in this area has developed in an uncompromising fashion introducing draconian remed...

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Published in: Edinburgh Law Review
ISSN: 1364-9809 1755-1692
Published: Edinburgh Edinburgh University Press 2018
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URI: https://cronfa.swan.ac.uk/Record/cronfa38960
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first_indexed 2018-03-06T20:09:11Z
last_indexed 2021-01-20T03:59:35Z
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spelling 2021-01-19T14:42:13.7693320 v2 38960 2018-03-06 Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law 7f27965a58cb58769895777604972565 0000-0002-2219-0787 Baris Soyer Baris Soyer true false 2018-03-06 LAWD Determining the scope of the fraudulent claims rule in insurance law has posed a significant challenge for the courts, particularly in the last two decades. In the shadow of the doctrine of utmost good faith, the law in this area has developed in an uncompromising fashion introducing draconian remedies against an assured who submits a fraudulent claim. The Supreme Court’s most recent intervention has provided much needed guidance on the state of the law. This article, taking into account the fact that in other areas of law more proportionate remedies have gradually been introduced, discusses the boundaries of the fraudulent claims rule in insurance law as it applies in England and Wales and Scotland. Considering that the insurers might be tempted to introduce fraudulent claims clauses into their contracts to expand the common law definition of insurance fraud at the claims stage, this article also evaluates the wording of such clauses often used in practice and concludes that they lack the desired clarity. Journal Article Edinburgh Law Review 22 2 237 265 Edinburgh University Press Edinburgh 1364-9809 1755-1692 Insurance contracts- meaning of fraudulent claims- utmost good faith- policy considerations- recent judicial developments- future direction of law 1 5 2018 2018-05-01 10.3366/elr.2018.0484 COLLEGE NANME Law COLLEGE CODE LAWD Swansea University 2021-01-19T14:42:13.7693320 2018-03-06T18:25:30.6561066 Faculty of Humanities and Social Sciences Hilary Rodham Clinton School of Law Baris Soyer 0000-0002-2219-0787 1 0038960-27032018143410.pdf 38960.pdf 2018-03-27T14:34:10.8630000 Output 606155 application/pdf Accepted Manuscript true true eng
title Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
spellingShingle Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
Baris Soyer
title_short Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
title_full Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
title_fullStr Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
title_full_unstemmed Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
title_sort Lies, Collateral Lies and Insurance Claims: The Changing Landscape in Insurance Law
author_id_str_mv 7f27965a58cb58769895777604972565
author_id_fullname_str_mv 7f27965a58cb58769895777604972565_***_Baris Soyer
author Baris Soyer
author2 Baris Soyer
format Journal article
container_title Edinburgh Law Review
container_volume 22
container_issue 2
container_start_page 237
publishDate 2018
institution Swansea University
issn 1364-9809
1755-1692
doi_str_mv 10.3366/elr.2018.0484
publisher Edinburgh University Press
college_str Faculty of Humanities and Social Sciences
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hierarchy_top_id facultyofhumanitiesandsocialsciences
hierarchy_top_title Faculty of Humanities and Social Sciences
hierarchy_parent_id facultyofhumanitiesandsocialsciences
hierarchy_parent_title Faculty of Humanities and Social Sciences
department_str Hilary Rodham Clinton School of Law{{{_:::_}}}Faculty of Humanities and Social Sciences{{{_:::_}}}Hilary Rodham Clinton School of Law
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description Determining the scope of the fraudulent claims rule in insurance law has posed a significant challenge for the courts, particularly in the last two decades. In the shadow of the doctrine of utmost good faith, the law in this area has developed in an uncompromising fashion introducing draconian remedies against an assured who submits a fraudulent claim. The Supreme Court’s most recent intervention has provided much needed guidance on the state of the law. This article, taking into account the fact that in other areas of law more proportionate remedies have gradually been introduced, discusses the boundaries of the fraudulent claims rule in insurance law as it applies in England and Wales and Scotland. Considering that the insurers might be tempted to introduce fraudulent claims clauses into their contracts to expand the common law definition of insurance fraud at the claims stage, this article also evaluates the wording of such clauses often used in practice and concludes that they lack the desired clarity.
published_date 2018-05-01T03:49:26Z
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score 11.007058