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If Your Experience With Insurance Has Not Been Pleasant

Many people are familiar with the Consumer Fraud Act (CFA) which, under certain circumstances, permits a successful plaintiff to recover three times his compensatory damages and legal fees.

In a recent decision of the New Jersey Appellate Division of the Superior Court, the application of the CFA against an insurance broker was evaluated.

Plaintiff had contracted to buy real estate. In anticipation of the closing, defendant insurance broker obtained an insurance policy for the property and plaintiff paid the premium. However, the policy was later voided by the carrier for delays in closing. Afterward, plaintiff took title and the property was uninsured when it was damaged.

Plaintiff sued the broker for negligence in failing to obtain insurance and under the CFA for failing to inform him that the property was uninsured.

The broker claimed that the CFA did not apply to insurance brokers.

YOU BE THE JUDGE: Can the Consumer Fraud Act be applied against the negligent acts of an insurance broker, the way it can be against other negligent people?

The Appellate Division held the insurance broker was exempt from liability under the CFA; the statute does not apply to the conduct of learned professionals in providing services within the scope of their professional licenses.

The decision points out that a courtroom can bring justice and may be the only way to protect your rights. Our Firm knows courtrooms; we have harnessed the power of the law in courtrooms to bring justice for our clients for decades in Hackensack, Paramus, Saddle River and throughout Bergen County, in Paterson, Wayne, Pompton Lakes and elsewhere in Passaic County, in Newark, West Orange and throughout Essex County, in Morristown and Parsippany in Morris County, in Elizabeth and Cranford in Union County, in Jersey City and North Bergen in Hudson County, in Trenton, Lawrenceville and Princeton in Mercer County and throughout the State of New Jersey, as well as New York City. Please contact us to discuss how we can help you in a new lawsuit or provide a "second opinion" about your pending lawsuit. There is no obligation for the initial consultation.

The New Jersey Law Firm and its attorneys are dedicated to client-driven results and protecting individual rights and business interests. For 40 years, the Law Firm has been recognized for sound legal judgment, immigration laws, real estate cases, litigation, contracts and advocacy in serving the transactional needs of both individual and business clients. If you need assistance with business or corporate formation and operations, or you seek legal advice about insurance defense, arbitrations, wrongful termination, discrimination, personal injury, environmental issues, bankruptcy, insurance, civil rights and other litigation alternatives, the Law Firm has the comprehensive experience, foresight, skills and talent to assist you to safeguard your assets, interest and investments. The New Jersey Law Firm's highly devoted, motivated, experienced, skilled lawyers/attorneys and effective legal professionals are always there to assist you.

About the Author

Author, Samuel D. Bornstein, is associated with the law firm (http://www.bornsteinlawfirm.com/) and has 40 years of experience in representing individuals and a wide variety of businesses from Fortune 100 companies that need specialized assistance to smaller companies that look to the firm as their "in house" lawyer for general day-to-day advice. The firm is experienced with transactional work and litigation, emphasizing corporate and partnership operations, employment and workplace law, professional negligence, malpractice matters, immigration, civil rights and real state matters and insurance defense.

Does anyone know where I can purchase an authentic Miami Hurricanes #2 orange football jersey, size 48?

I have been searching everywhere online and am having a hard time finding any #2 (Graig Cooper) jerseys in my size. I swear last year it seemed like I saw them everywhere.

You can buy Hurricanes jerseys on eBay at

http://rover.ebay.com/rover/1/711-53200-19255-0/1?icep_ff3=9&pub=5574634183&toolid=10001&campid=5335994191&customid=&icep_uq=Hurricanes+jersey&icep_sellerId=&icep_ex_kw=&icep_sortBy=12&icep_catId=&icep_minPrice=&icep_maxPrice=&ipn=psmain&icep_vectorid=229466&kwid=902099&mtid=824&kw=lg

I saw an XXL orange #2 jersey there when I looked.

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