When an occurrence happens, a claim is made to the insurance company which has written and issued the policy to the insured – person or company. Timely notice to the insurance company is required when a loss, injury, or death occurs so that an investigation of the circumstances can be conducted by the insurance company and so that it can hire and assign a lawyer or law firm to defend the insured person or company. 

Insurance policies are written contracts, prepared by experts in the insurance industry, with the aid of experienced lawyers. The terms and conditions of all insurance policies include specific definitions, endorsements, and exclusions, all of which are complicated and have special meaning under the law which controls the application and interpretation of the policy when a claim for coverage and benefits is made.

Insurance disputes arise when claims are made for coverage and benefits. In the typical insurance claim scenario, the insurance company owes two separate and distinct duties to a person or a company who has purchased a contract of insurance. Those duties are known as the duty to defend against the claim and the duty to pay or indemnify the claim. When the relationship breaks down between the insurance company and the person or company who is expecting legal and financial protection at the time a claim is made, then it becomes necessary to seek guidance from an experienced lawyer who has worked to resolve insurance disputes. Mike Benninger is one of those experienced lawyers.

Call Benninger Law today 304-241-1856.