Kristen Cox MORRISON v. Paul ALLEN Et Al.

WILLIAM C. KOCH, JR., J., concurring in part and dissenting in part.

Insurance provides an important hedge against the uncertainties of life. It is a vital part of any individual’s or family’s financial planning because it provides a mechanism for spreading the risk of potential future losses. In most circumstances, persons seeking insurance coverage rely on the expertise of professional insurance agents to assist them in obtaining the desired and appropriate coverage. This appeal provides an opportunity for this Court to address and refine the principles applicable to claims against insurance…