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Dakota Johnson suffered a wardrobe malfunction during her appearance on “Jimmy Kimmel Live!” on Wednesday.

Mid-interview, the “Madame Web” star, 34, grabbed the metal strap of her black gown while chatting with host Jimmy Kimmel.

“My dress — it just fell off!” she replied.

The actress tried her best to fix the blunder, but ultimately gave up.

“Well, I’ll just hold it,” she went on.

“Just hold the important part, there you go,” Kimmel chimed in, as Johnson laughed and covered her chest area.

Johnson has experienced wardrobe malfunctions on TV before. In 2016, she also had issues when she got up onstage to accept the 2016 People’s Choice Award for Favorite Dramatic Movie Actress from Leslie Mann.

“I hadn’t seen her in a while, so I hugged her,” Johnson said on “Late Night With Seth Meyers” that January. “I hugged Leslie and then my dress broke and it was a two-piece, so my top almost fell off.”

Meyers teased: “That would have been a People’s Choice.”

At the time, Johnson joked to the People’s Choice audience “it’s not like nobody here hasn’t already seen my boobs,” referring to her work in the “Fifty Shades of Grey” franchise in which she went nude.

Years later, the daughter of Melanie Griffith and Don Johnson would go viral again for calling out Ellen DeGeneres during the comedian’s talk show. At the time, DeGeneres claimed she was not invited to Dakota’s 30th birthday.

“Actually, no, that’s not the truth, Ellen,” she said. “Ask everybody. Ask Jonathan, your producer.”

Off-camera, someone affiliated with the show confirmed Johnson was correct and DeGeneres was out of town.

“Why didn’t I go?” she asked. “Oh yeah I had that thing. [The party] was probably in Malibu, that’s too far for me to go to.”

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Source: USA Today

Insurable Interest: A Key Concept in Insurance

Insurable interest is a fundamental principle of insurance contracts that ensures the legitimacy and fairness of insurance transactions. It refers to the legal right or financial interest a person or entity must have in the subject matter of the insurance contract. The concept ensures that the policyholder has a stake in the preservation or protection of the insured property or life. Without insurable interest, an insurance policy would not be valid or enforceable.

Key Aspects of Insurable Interest

1. Definition and Requirements
   • Definition: Insurable interest is a financial or other interest that one party has in the life, property, or liability that is the subject of insurance.
   • Requirements: It must be present at the time the insurance policy is issued. The policyholder should have a reasonable expectation of financial loss if the insured event occurs.
2. Examples of Insurable Interest
   • Life Insurance: A spouse has an insurable interest in the life of their partner because their financial security is tied to that person’s life.
   • Property Insurance: A homeowner has an insurable interest in their home and its contents because they own them.
   • Business Insurance: A company has an insurable interest in the health of its key employees, as their loss would affect business operations.
3. Purpose and Importance
   • Protection Against Moral Hazard: Ensures that the policyholder has a genuine interest in the preservation of the property or life, thus reducing the likelihood of fraudulent claims.
   • Legitimacy of Insurance Contracts: Guarantees that insurance contracts are not merely speculative bets on the occurrence of an event.

Types of Insurable Interest

1. Personal Insurable Interest: Direct and personal, such as a spouse having an interest in the life of the other spouse.
2. Financial Insurable Interest: A business owner has an interest in their inventory or machinery as loss would impact the business financially.
3. Property Insurable Interest: An individual has an interest in their home or car.

Legal Implications

• Life Insurance: Some jurisdictions require insurable interest only at the inception of the policy, while others require ongoing insurable interest throughout the policy term.
• Property Insurance: Insurance contracts may require insurable interest to be maintained throughout the duration of the policy. Failure to comply could result in the invalidation of claims.

Application in Insurance Policies

• Underwriting Process: Insurable interest is a key consideration during the underwriting process to assess risk and establish premiums.
• Claims Process: Insurable interest ensures that claims are legitimate, reducing fraudulent claims and ensuring that policyholders have a genuine financial stake.

Conclusion

Insurable interest is a foundational concept in insurance that ensures the integrity and validity of insurance contracts. It safeguards against moral hazard, establishes fairness in insurance transactions, and ensures that insurance policies provide genuine protection to policyholders. Understanding and applying insurable interest in insurance contracts is crucial for all parties involved, ensuring the protection and legitimacy of the insurance industry.