Do You Need an Insurance Defense Attorney?


Insurance defense involves a broad spectrum of legal issues related to insurance policies and claims. The United States is perhaps one of the most litigious nations globally. An insurance defense attorney is the gatekeeper of false, fraudulent, bad faith, and exaggerated claims. It is not uncommon for insurance companies and their clients to be sued over policy or coverage issues. While some claims are legitimate and need to be resolved in court, others seek monetary damages for accidents or injuries that should never reach the level of the judicial system.

Insurance defense attorneys represent local and national insurance carriers, self-insured organizations, and policyholders, often in complex multi-carrier litigation cases. In addition to litigation, insurance defense attorneys provide coverage analysis and recommendations for various industries regarding insurance policies and claims handling.

An Insurance Defense Attorney Represents Clients in the Following Types of Cases and more:

  • Product liability litigation, toxic torts, professional liability, motor vehicle accidents, premises liability, liquor law liability, construction accidents, general liability, government representation, hospitality risk management, labor and employment law, workers’ compensation cases, agricultural accidents, homeowners’ claims, security claims, medical malpractice, personal injury, administrative law, and appeals cases.

Attributes of a Successful Insurance Defense Attorney

If you or your business face an insurance defense issue, your insurance carrier may align you with an attorney to protect your interests with theirs, or you may choose to seek counsel on your own. The Florida Office of Insurance Regulation is the governing agency that oversees the insurance industry. An insurance defense attorney needs to be knowledgeable about the current coverage laws within the state to offer comprehensive strategies to negotiate and litigate claims successfully.

An insurance defense attorney must be mindful of subrogation rights and actions. They must have experience litigating within subrogation regulations. The process of subrogation occurs when the injured party’s insurance company pays an insurance claim and the at-fault party reimburses the insurance company. There can be many barriers to a subrogation case. A few examples are a lack of cooperation among the parties, a lack of preserved evidence to support the case, statute expiration, waivers of subrogation in the contract, or allegations not substantiated by facts.

An insurance defense attorney must be adept at identifying and defending against fraudulent, bad faith, and exaggerated claims. They must thoroughly investigate suspicious claims and take appropriate action to have them dismissed. Bad faith claims occur when an insurance carrier fails to pay a claim or makes unreasonable demands on the policyholder to prove a covered loss. An insurance defense attorney must recognize the tactics used by opposing insurance carriers to avoid their contractual obligations and protect their clients against these actions.

Search the Southern Cross Media Lawyer’s Directory to find Quality Insurance Defense Counsel

Whether you are an insurance carrier, a business owner, or an individual in need of a dedicated insurance defense attorney, our Lawyer’s Directory is the right place for your search. We know that experience, knowledge, and advocacy is your best defense. Our listings offer relevant information about attorneys that can mitigate their clients’ liability exposure and fiercely protect clients’ rights. If necessary, they can file for an appeal in an appellate court.

 Our listings can help you meet your objectives. Search online for the Southern Cross Media Lawyer’s Directory today.