Insurance Contract Coverage Litigation
We have broad experience in insurance contract interpretation, understanding coverage issues, and assisting our clients in getting proper protection under their insurance contracts.
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 pre-contract discussions. 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.
For example, we have assisted many clients in insurance contract review, insurance contract interpretation, subrogation matters and waiver of subrogation clauses. We frequently get involved in under-insured and uninsured matters because of our experience with personal injury cases. We assist our business and individual clients when their is a fire loss or other casualty claim. We help our clients recover on their disability and life insurance policies. We have experience with "D&O" director and officer insurance.
What is Insurance Bad Faith?
Insurance bad faith can occur whenever an insurer fails to honor a claim for unfair reasons. There are many good honest claims people and companies. Sometimes there are poor agents or insurers who are not putting the insured on an equal footing as the insurer. That can lead to bad results, ones that the policy and insurer should not intend or want, but can occur for many reasons.
You need a good legal team that read and understand the policy and can make sure all parties are being handled fairly. There cannot be over-reaching by the victim. There cannot be improper denial of legitimate claims.