By Andre Jones
Kanye West is once again in the news as West files a $10 million lawsuit against Lloyd’s.
West, who cited a mental breakdown, canceled the rest of his Life of Pablo tour in fall of 2016. However, one of the insurer’s – Lloyd’s, a boutique insurance company known to many of us historically as “Lloyd’s of London” has been reticent in paying West’s claims.
According to DailyMail, legal documents submitted by Lloyd’s suggest that marijuana use may have led to West’s mental health issues in an attempt to invalidate his insurance claim. Kanye canceled the balance of his concerts in November of last year, and although the other companies that insured the concert against non-appearances and cancellations paid up, after eight months of receiving no payout, West and his company were forced to file suit against Lloyd’s in the amount of $10 million, asserting that they were stalling on paying out claims.
“The stalling is emblematic of a broader modus operandi of the insurers of never-ending post-claim underwriting where the insurers hunt for some contrived excuse not to pay,” read a complaint filed Tuesday in a California federal court.
West’s court papers seem to bear this out as they reveal the extent to which he was forced to convince Lloyd’s that his mental breakdown was in fact real. “While Kanye was still under medical care for his disabling condition, the Defendant syndicates demanded that Kanye submit to an immediate IME,” West’s team stated in official court documents, referring to an independent medical examination (IME).
“As demanded by the insurers, Kanye was also subsequently presented for an examination under oath (“EUO”), and at least eleven other persons affiliated with Kanye and Very Good were similarly presented for EUOs,” the court documents went on to say.
West’s lawsuit specifically refers to an October concert in Sacramento, where West launched into a 15-minute tirade about everyone from Beyonce to Hillary Clinton, highlighting the “strained, confused and erratic” behavior as well as canceling the rest of the tour the next day and issuing full refunds. He was hospitalized at UCLA not long after, after which the insurance companies were informed and eventually provided with testimony from West’s primary doctor at UCLA that West suffered from a debilitating mental condition that required him to forego the rest of his tour.
In light of the Foo Fighters having almost the same exact problem with Lloyd’s – right down to the language used to redress it – West’s lawyer, Howard King wrote, “Their business model thrives on conducting unending ‘investigations,’ of bona fide coverage requests, stalling interminably, running up their insured’s costs, and avoiding coverage decisions based on flimsy excuses. The artists think that they’re buying peace of mind. The insurers know they’re just selling a ticket to the courthouse.”