Myers v. Yoder

I concur in the majority opinion, but write separately to note that although an insurance agent does not have a duty to provide advice to the insured unless a special relationship exists between the two, see op. at 885-86 (citing Craven, 588 N.E.2d at 1296), I do not view every instance of an insured requesting "full coverage" to be a request for advice, however. In some instances, an insured's declaration that he wants "full coverage" could be a directive to procure specific insurance, akin to directing the agent to procure "earthquake insurance" or "flood insurance." A licensed insurance…