An insurance lawyer is a professional that handles different types of insurance cases including the enforcement of various types of insurance policies. Insurance lawyer work includes litigation of insurance cases, including both corporate and personal insurance lawsuits. A skilled lawyer who practices insurance law gathers and deciphers useful information from insurance agreements, contracts, and policies, and then interprets the information considering the applicable facts and law.
Insurance is meant to safeguard businesses and people financially, should the unexpected happen or in time of need. But when it is time to claim insurance, numerous factors will determine the success and value of the claim. To properly complete the process, it is important to hire a knowledgeable insurance lawyer.
A person who purchases insurance is known as an insured or a policyholder and the company who sells the insurance is called the insurer. The policyholder receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured.
Insurance lawyers handle many types of cases and claims, including auto insurance, disability insurance, fire insurance, homeowner’s insurance, liability insurance, life insurance, etc. However, some of the more common types of insurance include:
Auto insurance is insurance on an automobile, including cars, trucks, motorcycles, and any such vehicle that can be registered and driven on the roads. Its primary use is to provide financial protection against bodily injury, property damage, and liability resulting from traffic accidents, collisions and other incidents involving a vehicle. Auto insurance coverage for injuries is often available to the policyholder and members of his/her household under underinsured motorist and uninsured motorist coverage, as well as to third parties under liability coverage.
The greatest benefit of life insurance is the ability to provide for those who are left behind after the death of the policyholder. This is especially important if the insured person has a family dependent on the policyholder’s income to pay the bills. A qualified insurance lawyer can best advise the family and survivors of the deceased in such cases.
A disability insurance policy protects the insured and his/her dependents if the insured is disabled by injury or illness. An insurance lawyer can help the insured and his/her dependents pursue benefits under a disability policy.
A typical home insurance policy covers damage to structures and personal property up to the limits described in the policy, provided the damage results from a covered cause. The policy may also contain liability protection against certain accidents, injuries, and suits, especially if they occur in or around the home.
The term liability insurance refers to an insurance policy that provides an insured party with financial protection against claims resulting from injuries and property damage. Liability insurance policies cover any legal costs and compensation an insured party causes if they are found legally liable. Liability may be found in General Liability, Umbrella, and Professional Liability policies, and/or as a component of another policy, like an auto or homeowner’s policy. If you are at risk of being sued, it is important to consult a lawyer about your coverage, options, and duties to provide prompt notice and reasonable cooperation to your insurers.
The Andover insurance lawyers at Denn Law Group LLC have the right skills and experience to handle insurance cases for insureds and third parties. Attorney Edward Denn is an experienced Sudbury insurance lawyer. For more information on Attorney Edward Denn and Denn Law Group LLC, visit our website.