We have broad experience in insurance contract interpretation, understanding coverage issues, and assisting our clients in getting proper protection under their insurance contracts. We can help our clients understand their particular insurance policy, their coverage and the limits of coverage.
Insurance contracts are complicated. A reading of a policy does not always easily inform you of your rights and responsibilities under the policy. Pre-contract negotiations with the insurance agent may not be honored if the policy provisions conflict with the negotiations with the agent and in the pre-contract discussions.
Insurance coverage on a driver or car owner and insurance of other drivers involved in an accident will involve coverage analysis of which insurance is responsible and in what order there is responsibility. Sometimes the other car driver does not have insurance, or not enough, and you may need to make a claim on your own policy. These policy contracts have time lines and rules to be followed strictly. We frequently get involved in under-insured and uninsured matters because of our experience with personal injury cases.
We have assisted many clients in insurance contract review, insurance contract interpretation, subrogation matters and waiver of subrogation clauses. We assist our business and individual clients understand and enforce their policies when there is a fire loss or other casualty claim, or when the driver of another car does not have insurance or has insufficient insurance. We help our clients understand and enforce their own disability and life insurance policies.