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Find Insurance Law Lawyer

Find Insurance Law Lawyer

Insurance Law

Sometimes bad things can happen in an instant. These sudden, unexpected events can financially devastate the unprepared. In order to provide a financial safety net for consumers an entire industry has been built up to assist in the event of an unexpected disaster: Insurance. Insurance policies exist to be paid into regularly so that when the unexpected does happen, the insurance can absorb the financial impact associated with recovery.

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Insurance Law Legal Guides

Law Office of Bennett M. Cohen

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43 years in practice
Insurance Law, Personal Injury
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Lether Law Group

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13 years in practice
Auto Accidents, Insurance Law
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Law Office of Brian Holland, P.A.

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6 years in practice
Insurance Law, Personal Injury
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Law Office of Bennett M. Cohen

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43 years in practice
Insurance Law, Personal Injury
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Cassel & Cassel, P.A.

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7 years in practice
Insurance Law
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Bryant Legal Group

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11 years in practice
Insurance Law
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Protecting From Unexpected Events

Insurance policies vary in the areas that they cover and who they impact. The most common types of insurance are either taken out by an individual or a business.

Individual Insurance

There are a number of types of insurance that cover both an individual and their property. Some common examples of individual insurance include health insurance, car insurance, life insurance, and renter’s insurance. Many of these insurance policies are required by law with certain minimums enforced on a state-by-state basis. In addition to the mandatory minimums, private insurers may offer more comprehensive plans at an additional price.

Business Insurance

Businesses typically take out liability insurance for a number of eventualities such as lawsuits, product liability claims, and worker’s compensation claims. Additionally, there are some industry-specific insurance coverage areas such as environmental liability insurance

Ensuring Coverage Amid Complexities

If you are seeking to navigate the complexities of insurance law, you will need the help of an experienced insurance law attorney. An insurance law attorney is able to focus completely on your case, zealously advocate for your interests, and get you the best possible outcome.

In order to achieve this best outcome, however, you will need an attorney who has the expertise and resources to take your case all the way. That’s why you should contact Attorney at Law. By partnering with AAL, you will be able to avoid slogging through the quagmire of unscrupulous lawyers looking to exploit your case.

At AAL, we only partner with the best firms in your area, helping you find the best attorney for your case. Don’t wait, contact AAL today to be matched with skilled and experienced attorneys in your area who practice insurance law.

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Insurance Law Frequently Asked Questions

1. What types of insurance coverage are typically available for individuals and businesses?

Individual insurance is usually based on specific assets or circumstances. Common examples of individual insurance include automotive insurance, health insurance, homeowners insurance, and life insurance.

On the other hand, business insurance generally breaks down into general liability and specific coverage areas. General liability protects from most claims but there are some specific circumstances such as environmental liability insurance where a separate policy is required. 

2. How does the claims process work when filing an insurance claim?

The general process of filing an insurance claim falls into a few basic steps. First, a qualifying incident occurs. Then a claim is filed with the insurance company. Once it receives a claim, the insurance will investigate the facts of the claim in order to determine whether or not the claim falls under the policy. Once it’s been investigated, the claim will be either approved or denied. 

3. What are the key factors to consider when selecting an insurance policy?

There are a few things to consider when selecting an insurance policy. In most cases, the more expensive the monthly fees associated with a policy, the broader the coverage range and the lower the copay in the event of an incident. Conversely, the less expensive a policy is, the narrower the range of coverage and the higher the copay in the event of an incident.

4. Can insurance policies be disputed or challenged, and what are the steps to take in such cases?

In the event that an individual or business feels that the insurance company is not appropriately compensating them under the terms of their policy, they may take the insurer to court. It will be on the individual or company to demonstrate that not only was the incident covered under the policy, but that the insurer is either negligently or intentionally failing to compensate the plaintiff according to the terms of the insurance policy.

5. What legal regulations and requirements govern the insurance industry and consumer rights?

The government entity in charge of regulating the insurance industry is the U.S. Department of Treasury’s Federal Insurance Office. The Federal Insurance Office handles a variety of tasks including ensuring underserved communities have access to non-health insurance, handling international insurance law, and enforcing the Wall Street Reform and Consumer Protection Act of 2010.

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