As an insurance lawyer, some common types of insurance disputes that I handle include:
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Coverage Disputes - These disputes arise when an insured person or entity believes that their insurance policy covers a loss but the insurer disagrees. This may include disputes over the scope of coverage, exclusions, policy limits, or even whether a particular event constitutes a covered loss.
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Bad Faith Claims - When an insurance company denies a claim or offers an unreasonably low settlement offer, an insured may file a bad faith claim. A bad faith claim alleges that the insurer acted in bad faith by failing to reasonably investigate the claim, offer a fair settlement, or denying the claim without a valid reason.
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Subrogation Claims - If an insurance company pays out a claim to an insured person, and the loss was caused by a third party, the insurer may seek to recover the amount paid through subrogation. This typically involves filing a claim against the third party's insurance policy.
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Insurance Fraud - Insurance fraud occurs when someone intentionally presents false information to an insurance company in order to receive a payout. Insurance fraud can take many forms, including exaggerating or fabricating a loss, or making false statements on an application for insurance.
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Disputes Over Damages - Even when an insurer recognizes that a covered loss has occurred, there may still be disputes over the amount of damages suffered. This may include disputes over the value of lost property, the extent of damage to a building or vehicle, or the amount of medical bills incurred as a result of an injury.
It's important to note that the specific laws and legal precedents governing these types of disputes may vary depending on the jurisdiction. Individuals or entities involved in an insurance dispute should consult with an experienced insurance lawyer in their area for personalized legal advice.
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