Honesty Still Matters, As Told By Espedito V. Nat'l Fire

Law360, New York (August 7, 2013, 12:47 PM EDT) -- In "Huckleberry Finn," Mark Twain examined questions of honesty and deceit as his young protagonist sought adventure on the shores of the Mississippi River. Asked about the novel’s theme, humorist Twain replied: “If you tell the truth, you don’t have to remember anything.” Recent case law teaches that policyholders should heed Twain’s advice when presenting insurance claims.

A contract of insurance is premised on the insured’s continuous and complete candor with its carrier. To enforce this requirement, insurance policies often provide that a policy will be...
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