Connecticut I Nsurance Law Journal

CONNECTICUT INSURANCE LAW JOURNAL Volume 17, Number 2 Spring 2011 University of Connecticut School of Law Hartford, Connecticut Connecticut Insurance Law Journal (ISSN 1081-9436) is published at least twice a year by the Connecticut Insurance Law Journal Association at the University of Connecticut School of Law. Periodicals postage paid at Hartford, Connecticut. Known office of publication: 55 Elizabeth Street, Hartford, Connecticut 06105-2209. Printing location: Western Newspaper Publishing Company, 537 East Ohio Street, Indianapolis, Indiana 46204. Please visit our website at http://www.insurancejournal.org or see the final page of this issue for subscription and back issue ordering information. Postmaster: Send address changes to Connecticut Insurance Law Journal, 55 Elizabeth Street, Hartford, Connecticut 06105-2209. The Journal welcomes the submission of articles and book reviews. Both text and notes should be double or triple-spaced. Submissions in electronic form are encouraged, and shoul d be i n 0LFURVRIW:RUGYHUVLRQ format or higher. Citations should conform to the most recent edition of A UNIFORM SYSTEM OF CITATION, published by the Harvard Law Review Association. It is the policy of the University of Connecticut to prohibit discrimination in education, employment, and in the provision of services on the basis of race, religion, sex, age, marital status, national origin, ancestry, sexual preference, status as a disabled veteran or veteran of the Vietnam Era, physical or mental disability, or record of such impairments, or mental retardation. University policy also prohibits discrimination in employment on the basis of a criminal record that is not related to the position being sought; and supports all state and federal civil rights statutes whether or not specifically cited within this statement. Copyright © 2011 by the Connecticut Insurance Law Journal Association. Cite as CONN. I NS. L.J. CONNECTICUT INSURANCE LAW JOURNAL VOLUME 17 2010-2011 NUMBER 2 EDITORIAL BOARD 2010-2011 Editor-in-Chief Managing Editor A.J. ALLEGRO RYAN LORUSSO Administrative Editor Assistant Managing Editor MICHAEL YEDINAK WILLIAM MAUKE Lead Articles Editors Notes & Comments Editors Executive Editors OLIVER BOWERS SHANIQUE FENLATOR DAN CZUKA JOHN NEUMON CRYSTAL FRASER T. RYAN MCNEIL JONATHAN HARDING JONATHAN PORZUC GREGORY RADA STEVEN ZAKRZEWSKI Legal Abstracts Editor Research Editor Associate Editors JAMES MOHER RAPHAEL DEUTSCH NATHANIEL GENTILE K. RUSSELL HASAN SHETERA PATERSON Symposium Editor Technology Editor SANA SHEIKH KENNEX CHAN KENSLEY R. BARRETT ZHIJUN ZHANG MEMBERS JESSICA AURELIEN MICHAEL BARRESE MATTHEW BERNARD LESLEY CHUANG CRAIG COOPER DOUG DALENA BETHANY DIMARZIO ANDREA DIPAOLO TIMOTHY GOODWIN WYATT JANSEN RONALD X. JOHNSON MARTIN KRAEGEL MARK LAVELLE CAITLIN LOFTUS RUBAIYAT MAHBOOB SUSAN MASTERS KEEGAN MCCLURE RYAN MCLAUGHLIN TAYLOR MEEHAN WALTER MENJIVAR DONNY O'DAY BRENDAN OWENS GEOFF PERKINS BRIAN R. SMITH COLLEEN VELLTURO CAITLIN HOLT FACULTY ADVISOR PATRICIA MCCOY UNIVERSITY OF CONNECTICUT SCH OOL OF L AW FACULTY AND OFFICERS OF ADMINISTRATION FOR THE ACADEMIC YEAR 2010-2011 OFFICERS OF ADMINISTRATION Philip E. Austin, Ph.D., President, University of Connecticut Peter J. Nicholls, Ph.D., Provost and Executive Vice President for Academic Affairs Jeremy Paul, J.D., Dean, School of Law Darcy Kirk, J.D., Associate Dean for Library and Technology Willajeanne F. McLean, J.D., Associate Dean for Academic Affairs Ellen K. Rutt, J.D., Associate Dean for Enrollment Management and Strategic Planning Susan Schmeiser, J.D., Associate Dean for Student Life Steven Wilf, J.D., Associate Dean for Research and Faculty Development Ann Crawford, M.Ed., Assistant Dean for Finance and Administration Karen L. Demeola, J.D., Assistant Dean for Admissions and Student Finance FACULTY EMERITI Robert L. Bard, B.A., M.A., LL.B., J.S.D., Professor of Law, Emeritus Phillip I. Blumberg, A.B., J.D., LL.D. (Hon.), Dean and Professor of Law and Business, Emeritus John C. Brittain, B.A., J.D., Professor of Law, Emeritus Clifford Davis, S.B., LL.B., Professor of Law, Emeritus Nell J. Newton, B.A., J.D., Dean and Professor of Law, Emerita Howard Sacks, A.B., LL.B., Dean and Professor of Law, Emeritus George Schatzki, A.B., LL.B., LL.M., Dean and Professor of Law, Emeritus Craig Shea, A.B., LL.B., LL.M., Professor of Law, Emeritus Phillip Shuchman, B.A., M.A., LL.B., Professor of Law, Emeritus Eileen Silverstein, A.D., J.D., Professor of Law Emerita Lester B. Snyder, B.S., LL.B., LL.M., Professor of Law, Emeritus Terry Tondro, A.B., LL.B., M.Phil., Professor of Law, Emeritus Nicholas Wolfson, A.B., J.D., George and Helen England Professor of Law, Emeritus FACULTY OF LAW Jill Anderson, B.A., University of Washington; J.D., Columbia University; William T. Golden Scholar Associate Professor of Law Paul Bader, B.A., Duke University; J.D., Mercer University Walter F. George School of Law; Assistant Clinical Professor of Law Robin D. Barnes, B.A., J.D., State University of New York at Buffalo; LL.M., University of Wisconsin; Professor of Law Jon Bauer, A.B., Cornell University; J.D., Yale University; Clinical Professor of Law Loftus E. Becker, Jr., A.B., Harvard College; LL.B., University of Pennsylvania; Professor of Law Bethany Berger, B.A., Wesleyan University; J.D., Yale University; Professor of Law Robert Birmingham, A.B., J.D., Ph.D. (Econ.), Ph.D. (Phil.), University of Pittsburgh; LL.M., Harvard University; Professor of Law William Breetz, B.A., Dartmouth College; LL.B., University of Virginia; Executive Director, Connecticut Urban Legal Initiative, Inc. Sara Bronin, B.A., University of Texas; M.Sc., University of Oxford (Magdalen College); J.D., Yale University; Associate Professor of Law Deborah A. Calloway, B.A., Middlebury College; J.D., Georgetown University; Professor of Law Marcia Canavan, B.A., University of California, Los Angeles; MPH., University of California, Los Angeles; J.D., Golden Gate University School of Law and University of Colorado School of Law; Assistant Clinical Professor of Law Paul Chill, B.A., Wesleyan University; J.D., University of Connecticut; Clinical Professor of Law John J. Chung, B.A., Washington University; J.D., Harvard University; Visiting Professor of Law Donna K. Coker, B.S.W., Harding University; M.S.W., University of Arkansas; J.D., Stanford University, Visiting Professor of Law Stephen J. Cribari, B.A., St. Lawrence University; J.C.L., J.D., Catholic University; Visiting Professor of Law Anne C. Dailey, B.A., Yale University; J.D., Harvard University; Evangeline Starr Professor of Law Steven M. Davidoff, B.A., University of Pennsylvania; M.A., London Business School; J.D., Columbia University; Professor of Law Geoffrey Dellenbaugh, A.B., Princeton University; M.A., Stanford University; Ph.D., University of Pittsburgh; J.D., University of Chicago; Associate Clinical Professor of Law Jonathan Elukin, A.B., J.D., Princeton University; M.A., Jewish Theological Seminary of America; Visiting Professor of Law Timothy H. Everett, B.A., M.A., Clark University; J.D., University of Connecticut; Clinical Professor of Law Neal R. Feigenson, B.A. University of Maryland; J.D. Harvard University; Visiting Professor of Law Todd D. Fernow, B.A., Cornell University; J.D., University of Connecticut; Professor of Law and Director, Clinical Programs Richard Michael Fischl, B.A., University of Illinois; J.D., Harvard University; Professor of Law Lynn M. Fountain, B.A., University of Rochester; M.L.S., San Jose State University; J.D., University of Connecticut; Assistant Clinical Professor of Law and Executive Director, Center for Energy and Environmental Law Eric J. Gouvin, B.A., Cornell University; M.P.A., Harvard University; J.D., LL.M., Boston University; Visiting Professor of Law Hillary Greene, B.A., J.D., Yale University, Associate Professor of Law and Director, Intellectual Property Clinic Kaaryn Gustafson, A.B., Harvard University; Ph.D., J.D., University of California, Berkeley; Professor of Law Mark W. Janis, A.B., Princeton University; B.A., M.A., Oxford University; J.D., Harvard University; William F. Starr Professor of Law Richard S. Kay, A.B., Brandeis University; M.A., Yale University; J.D., Harvard University; Wallace Stevens Professor of Law Darcy Kirk, A.B., Vassar College; M.S., M.B.A., Simmons College; J.D., Boston College; Professor of Law and Associate Dean for Library & Technology Peter R. Kochenburger, A.B., Yale University; J.D., Harvard University; Associate Clinical Professor and Director of Graduate Programs Alan M. Kosloff, B.A., University of Connecticut; J.D., Georgetown University; Director of Environmental Practice Clinic Lewis S. Kurlantzick, B.A., Wesleyan University; LL.B., Harvard University; Zephaniah Swift Professor of Law Alexandra Lahav, B.A., Brown University; J.D., Harvard University; Professor of Law Leslie C. Levin, B.S.J., Northwestern University; J.D., Columbia University; Professor of Law Diana L. Leyden, B.A., Union College; J.D., University of Connecticut; LL.M., Georgetown University; Associate Clinical Professor of Law and Director, Tax Clinic Peter L. Lindseth, B.A., J.D., Cornell University; M.A., M. Phil, Ph.D, Columbia University; Olimpiad S. Ioffee Professor of International and Comparative Law Hugh C. Macgill, B.A., Yale University; LL.B., University of Virginia; Oliver Ellsworth Research Professor of Law and Dean Emeritus Neysun Mahboubi, A.B., Princeton University; J.D., Columbia University; Visiting Assistant Professor of Law Jennifer Brown Mailly, B.A., Brown University;

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