Unless you live in a major city with easy access to public transportation, you probably drive on a regular basis and are familiar with auto insurance. If you have ever been in an accident, you may also know that maintaining an active policy does not necessarily mean you are guaranteed compensation for the damages. Disputes regarding coverage are common, which is why insurance law is important. Attorneys who specialize in this practice area might represent the insurer, the policyholder, or the third-party claimant. Regardless, they know how to resolve disputes in their client’s favor.

What Is Insurance Law?

Kinds of Coverage

Insurance is a huge industry that encompasses both public and private sectors. There are dozens of types of coverage, but cases that fall under insurance law are typically those involving private policies, like car, homeowner’s, and life insurance. However, if you are facing a dispute regarding a public policy, like Social Security disability or workers’ compensation, you can still turn to a lawyer for quality legal counsel.

Kinds of Attorneys

Some attorneys work solely with insurance companies, while others represent claimants, and still others accept cases from both sides. Regardless of the particular client or dispute in question, a lawyer always aims to protect their client’s best interests. For example, attorneys who represent insurance providers strive to dispute the policyholder’s liability, so they do not have to compensate someone for a questionable claim. Lawyers who represent claimants, on the other hand, aim to prove their clients’ damages and secure a fair settlement.  

Kinds of Cases

One of the most common disputes that falls under this practice area has to do with insurance bad faith. This is a legal concept that applies when the provider breaches the duty of good faith owed to a policyholder or claimant. This duty is always implied, regardless if a contract states it outright. When a provider treats a claimant unfairly or fails to honor the policy in place, the claimant can sue for insurance bad faith. Cases involving disputed liability are also common under insurance law.

If you are facing a liability or coverage dispute, turn to Williams, Hall & Latherow, LLP in Ashland, KY. They have been proud to serve clients throughout the area for nearly two decades. Visit the law firm online to learn more about their track record of success, or call (606) 329-1919 to schedule an initial consultation with an insurance law attorney today.