About the Amicus Library

Welcome to the Amicus Project library.  Here you will find copies of the 400+ legal briefs United Policyholders has filed as an "amicus curiae" (friend of the court) since 1991. We file amicus briefs to help courts respect and effectuate consumers' reasonable expectations of coverage and reach fair results in coverage and claim dispute lawsuits.  In addition to calling courts' attention to helpful legal precedents, UP helps judges consider the impact of their decisions on people and businesses that suffer dire consequences when insurance companies put their own profit motives ahead of their customers' best interests.

The United Policyholders Amicus Project is made possible by the hundreds of dedicated policyholder attorneys who generously volunteer their time to write, review and edit our briefs. Click here to view the attorneys who make up our Amicus Project Team

To request that UP weigh in on a case, please complete this Request Form.

UP chronicled our Amicus Project in a 2011 report titled "Twenty Years Protecting, Defending and Advancing Policyholders Rights

Year:
2016
Court:
California Supreme Court
Issue:
Appraisal
State:
California

UP submitted a letter urging the California Supreme Court to grant review on a very important issue for homeowners: whether an insurance company whose policy contains an appraisal provision as a... Read more

Year:
2016
Court:
California Court of Appeal
Issue:
State:
California

UP submitted a request to depublish a portion of an appellate opinion which improperly made a finding of fact about an insurance bad faith dispute.

Year:
2016
Court:
U.S. Court of Appeals, 10th Circuit
Issue:
Underinsurance
State:
Colorado

After wildfires and other major disasters that result in total losses, many homeowners find themselves underinsured.

Year:
2016
Court:
Colorado Court of Appeals
Issue:
Notice Prejudice
State:
Colorado

Colorado's notice-prejudice protects policyholders from a forfeiture of coverage for late reporting of a claim by requiring the insurer to show actual prejudice as a result of the late reporting... Read more

Year:
2016
Court:
U.S. Court of Appeals, 11th Circuit
Issue:
Duty to Defend, Construction Defect
State:
Florida

Under Florida law, the duty to defend under a liability policy is triggered when the complaint brought by a third party against the insured alleges any cause of action or damages that create even... Read more

Year:
2016
Court:
Oregon Supreme Court
Issue:
Contract Interpretation, Ambiguous terms
State:
Oregon

In an insurer v.

Year:
2016
Court:
California Supreme Court
Issue:
Reasonable Expectations/Contra Proferentem, Contract Interpretation
State:
California

In a theft case, UP submitted a letter supporting review on two grounds: First, the trial and appellate courts erred in allowing a motion for summary judgment to survive despite a reasonable... Read more

Year:
2016
Court:
Tennessee Supreme Court
Issue:
Punitive Damages, Bad Faith (Tortious Breach of an Insurance Contract)
State:
Tennessee

In many jurisdictions when an insurance company breaches an insurance contract, it not only is required to pay what it owed originally and wrongfully delayed or denied, it also must pay a

Year:
2016
Court:
New Jersey Supreme Court
Issue:
What is an occurrence, Reasonable expectations
State:
New Jersey

The vast majority of states that have addressed the issue of what is an "occurrence" under a commercial general liability policy have reached the conclusion that construction defect claims are... Read more

Year:
2016
Court:
California Supreme Court (California Court of Appeal, Second Appellate District, Division One)
Issue:
Replacement Cost Value, Regulatory Authority, Underinsurance
State:
California

In response to the widespread underinsurance crisis following the 2003 and 2007 San Diego wildfires, the California Department of Insurance promulgated a set of regulations which required agents/... Read more