Maybe and maybe NOT, if the insurance contract specifically contains some sort of legal schmegal clause like this document contains all the provisions and agreement among the parties and no other statements or writings apply HMMMMMMMMMM see what I mean????
Also theres there are the legal doctrines of four corners and the parol evidence rule that come into play which could render other side agreements or promises either void and/or perhaps not even admissible as evidence.
The courts do NOT usually interpret or change the clear language of a contract, its ambiguities and holes they can fill in and insurance contacts are pretty much iron clad.
However thats NOT to say a wrting by an agent can not have some authority (for sure, agency law still plays a part here), this is a very complex yet pretty well settled area of the law which is why I must still advise a person not to bet their life on what an agent might say or even write down (although I stil prefer his written versus oral promise), better safe then sorry I always figure
Hope this helps but it takes whole libraries to cover this topic, it cant be explained here for sure
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Today's Featured Article - Dad's Old Silver King and Joe Capalco - by Woody E. Diehl. My father, Charles Diehl, grew up in the Elsworth, Ohio area during the Depression on a small working farm. I never saw the place, nor was I around during his early years. What I know about those hard times comes from listening to Dad and his old pals reminisce from time to time. One of the old timers that would sit with Dad and chew the fat about the 'good ole days' was Joe Capalco. Joe wasn't like most of my Dad's friends. He rarely worked that we knew of. Always had plenty of time
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