re: US District Court in NOLA has stayed a bunch of civil cases where fraud has been alleged.

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You have lost your absolute mind. If you remove #3, Insurers would deny all first party claims and all insureds would be screwed. I'm sure homeowners would love that come the next hurricane or flood.

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So your view is that an insured---as a party to an insurance contract---wouldn't have the ability to sue his insurer for dishonoring a contractual covenant absent the direct action statute?

This is probably wrong.