It may seem like putting the cart before the horse to discuss appellate court systems before exploring litigation mechanics, but if the cart is appellate decisions that become law, then the horse has to observe the cart if it is to make correct decisions. When rulings regarding insurance claims are reviewed, most do not involve issues of negligence, agency, statutes or contractual matters. Rather, they involve insurance coverage issues. What did the policy say and what did those words mean?
Occasionally, case summaries can be found on the Internet with sufficient case citations to assist in locating an actual copy of a decision. An insurer's law department may subscribe to a service that reports decisions such as Westlaw. For adjusters, some references such as Casualty Insurance Claims, 4th published by Thomson Reuters West may help. And, local law firms often publish summaries of new court rulings in the state.
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