Who do you represent? Undisclosed principalship or the failure to identify for whom one is working, is a frequent cause of insurance litigation. (Photo: Shutterstock)

There was a TV ad for Mounds and Almond Joy candy bars that said, “Some days you feel like a nut, and some days you don’t.” With the two advertised bars, you had a choice.

While teaching adjusting classes I often refer to the hazard of undisclosed principalship. Early in my career I met with an insured, knowing only that her insurer was “the MEEMIC.” What did I know? Maybe it was like GEICO or AMICA. When she opened the door I told her I represented the “Meemic.” She looked at me and said, “You dolt! That stands for the Michigan Educators and Employers Mutual Insurance Company. I’m a teacher from Detroit. Do you mean to stand on my doorstep, young man, and tell me that you represent my insurance company and you don’t even know the name of it?” Well, some days you really do feel like a nut!

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