Moradi-Shalal v. Fireman's Fund Ins. Companies

I dissent.

Royal Globe (1979-1988), may it Rest in Peace.1 During its life it served the people of California well, particularly the victims of unfair and deceptive practices. The majority have now replaced Royal Globe with a “Royal *314Bonanza” for insurance carriers, i.e., total immunity for unfair and deceptive practices committed on innocent claimants. They have exalted principal over principle. It will be interesting to observe whether this judicial largesse causes insurance premiums to decrease or insurance profits to increase.

In the trial court, defendant demurred and at no time there or in…