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The doctrine of stare decisis (which means “stand by what has been decided”) is the legal principle underlying judicial precedent. When a court lays down a principle of law as applying to a particular set of facts, the court will apply that principle to all future cases where the facts are substantially similar.

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Following incarceration, most convicted sex offenders are released to community supervision. Many states have enacted laws authorizing the maintenance of a central registry of sex offenders. Convicted sex offenders are required by law to register their residence in those states, and most states maintain a database of the registrations.

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When multiple insureds obtain an insurance policy, usually on jointly owned property, and one insured causes a loss through wrongdoing, the other insureds are considered “innocent co-insureds.”

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Reinsurance is the process by which an insurance company shares the risk that it assumes when it issues an insurance policy. For example, an insurance company that issues a $1 million life insurance policy may reinsure or have other insurers assume $900,000 of the risk. The insurance company issuing the policy thus “cedes” most of the risk to one or ...

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When an insured files a claim with his insurer to recover for a loss, the insurer may pay the amount requested without question, or it may begin the “adjustment” process.

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