What is the purpose of an insurance defense attorney?
What is an Insurance Defense Attorney?
There are a wide array of issues that make up insurance law, relating to insurance policies and claims. Insurance defense attorneys are charged with addressing three categories when they take on a case for an insurance company. They are: ensuring policyholders are protected if they are sued, helping people determine when insurance must pay a claim, and ensuring that insurance companies are complying with relevant regulations.
It is important to note that when insurance companies receive claims, they are not accepted at face value. They will look into each specific claim that is submitted to make sure it is valid.
Insurance defense encompasses many types of claims that include workers’ compensation, automobile accidents, medical claims and property damage claims. Each of these types of claims can result in litigation over the validity of the claims and the fulfillment of the policies.
An insurance defense attorney can represent insurers and their policyholders in all facets of the claims process that include:
Purpose of an Insurance Defense Attorney
Typically, an insurance company retains legal counsel when they and their insured client are sued for something in the client’s contract. An example of this is if said client causes an auto accident that leaves another person injured or dead. The victim or their loved ones could go to court to seek compensation for their losses. The insurance company that insures the client who caused the accident is typically the entity that pays out the compensation, if awarded. That insurance company has the option of contesting the accusations of liability and any awarded amount.
Insurance defense attorneys are able to defend against all types of insurance-related cases. There are two ways that lawyers can be retained. One way involves insurance firms that require that their clients use specific attorneys who are contracted with their companies. The other instance entails insurance companies permitting clients to seek out their own legal counsel.
What kinds of issues are covered with insurance defense?
There are numerous and various issues that are involved in insurance defense. Lawyers may review claims to find out if they involved covered events as prescribed under the policies. Claims for damages that aren’t covered in the policies will be challenged. Insurance defense also entails investigating to expose fraudulent or false claims. Attorneys can also make sure businesses that are covered by policies are operating in ways that comply with state regulations with the goal of protecting the insurers who cover them.
Insurance defense attorneys can work for an insurance company when they are in the process of creating or modifying their policies to make sure they comport with local regulations. Because state law is usually the governing force behind insurance regulations, a national insurance company will require the services of an attorney who knows the laws of the state in which they operate. These attorneys can advise the insurance company on how to ensure their practices are within the boundaries of the law in that state.
Additionally, an insurance company will acquire the services of an attorney if they are accused of wrongfully denying a policyholder’s claim. The attorney will assess claims with regard to the applicable policy information and local laws to ascertain whether the claim is legitimate.
This type of service by an insurance attorney serves an important function as they help the insurance company reduce cases of insurance fraud and false claims.
Hire Experienced Insurance Defense Attorney Aultman Law
At Aultman Law, I have worked with some of the largest insurance carriers and third-party administrators in the nation to resolve a wide variety of claims, including:
- Coverage Disputes
- Initial Response & Management in Catastrophic Claims
At Aultman Law, experience is the difference. Among the advantages you enjoy when you let me represent you are an excellent track record, unparalleled customer service, and transparent fees.