Procrastinators put things off until the last minute. Waiting until “the midnight hour” to take care of important tasks, however, can have some truly negative consequences. A recent example of this can be found in Megna v. Leading Insurance Services, Inc., 2017 WL 393573 (N.J. Super Ct. App. Div. Jan. 30, 2017). There, the insureds… Continue reading The Midnight Hour: It’s Too Late to Pay Your Premiums After the Fire has Started