People in the insurance business are occasionally asked for opinions about loss or claim situations. Most such questions are simple, but others may involve more complicated matters that go beyond their personal or professional purview.
For example, the “Question Of Ethics” for this column involves an attorney who asks you to review a coverage opinion written by an insurance representative. Your belief is that not only is the opinion flawed, but also partially outside the expertise of the person who wrote it.
The attorney is your friend, and you are also acquainted with the author of the opinion. In this situation, what are your ethical duties to both the attorney and the person who wrote the report?
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