Read Allstate Insurance Company v. Herron from your textbook and respond to the following critical thinking and ethical decision-making questions:
• What is the reasoning that explains why a material breach requires harm to the insurer?
• Why would not just any breach be material to the ongoing responsibilities under the contract?
• Think about the Alaska law regarding material breaches of the cooperation clause for insurance policies. Whom do you think such a law is meant to protect?
• Why do you think the Alaskan law protects those people unless they harm the insurer?