Who makes insurance laws? State legislators, of course!
Courts also make laws when they hand down decisions about what legislators intended and when they interpret legal principles where legislators have not acted. Significant areas of insurance law have been shaped by courts over time.
As branches of the government, legislatures and courts are accountable to the public. In contrast, law professors are not. Although academics have traditionally offered commentary and analysis about what the law should be, they don't have the ability to say what the law is. That distinction, however, is at risk of being blurred by a project in development by an organization recognized as extremely authoritative by the legal community.
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