Lane, Michael L. v. Viskase Companies, Inc.

**Worker's Insurance Claim Denied Over Missing Records** Michael Lane filed an insurance claim for $13,000 after his restaurant was robbed. He had an insurance policy through Southern Marine and Aviation Underwriters that was supposed to cover such losses. However, the insurance company denied his claim, and Lane took the matter to court, arguing the company had breached their contract by refusing to pay. The court sided with the insurance company and dismissed Lane's case. The judge found that Lane had failed to keep proper records as required by his insurance policy. Without adequate documentation, Lane could not prove the full extent of his $13,000 loss from the robbery. The court affirmed that the insurance company was justified in denying the claim. This case highlights an important lesson for workers who own businesses or have insurance policies: keeping detailed, accurate records is crucial. Insurance policies often contain specific requirements about documentation and record-keeping. If you can't prove your losses with proper paperwork, your insurance company may legally deny your claim, even if you suffered real damages. Always read your policy requirements carefully and maintain thorough records of your business operations and any incidents.