Sarah, you better quit your day job and find a less demanding profession...
Bailey - AOW/Sales
September 13, 2005 at 09:25:21
Sarah, either you are a stupid lawyer or a stupid person pretending to be a lawyer. Either way, your argument that policy terms don't matter is absurd and your case against the insurance company would be dismissed on the grounds of attorney incompetence.
Without policy terms that limit insurance coverage, premiums would skyrocket and nobody would be able to afford to insure themselves for diving or anything else. It does not matter whether Anthony Allen deliberately or accidentally exceeded the maximum depth limit of 30 meters. The fact is that he did and therefore he must pay.
The all-important lesson here, and it's a painful one for Anthony Allen, is that 1) depth matters and 2) general travel insurance coverage is not adequate for most scuba divers.