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Insurance Law Help | Ehline Law

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Blue folder with the label Insurance Law

Insurance, in particular, car insurance (aka liability insurance), acts as a vital barrier between parties.

  • Insurance is one of the most commonly held contracts (<< See the videos here) in the United States (Source.) Mostly, it operates as a contract where the insured pays a premium to the insurance companies. In turn, the insured seeks reimbursement in case of inevitable losses.

Examples of losses covered by insurance policies include:

  • Sickness
  • Death
  • Property damage, and others.

But insurance companies operate under several different statutes and some judge-made law. When there is a claim, a claimant may or may not get represented by a lawyer. But sometimes it is beneficial to have legal assistance.

Thus, you can help make sure you get the full value of your claim. So Ehline Law helps victims get a fair shake when they need help. This informational piece below should help you understand more.

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Michael Ehline at a desk.

When there is a claim related to a policy holder’s insurance claim, there is a procedure to follow. So the victim may get hurt from a slip and fall at your house or place of work of business, for example. But the insurance company will often hire an attorney to represent them.

  • Also, the insurance carriers will have a battery of actuaries, adjusters, and other professionally trained personnel.

How Do Carriers Try and Hamstring Your Auto Accident Claims?

These insurance defense attorneys and staff, are often used in cases of car accidents.

  • Their primary concern is to defend their policy holder if they are getting sued.

Usually, a plaintiff is making a liability insurance claim over their injuries. Also, the law does not allow the insured to determine when the insurance company must pay a claim. So the carrier gets time to investigate claims reasonably.

  • But it must be a reasonable delay.

Also, insurance companies hire lawyers to ensure the company complies with the law. These laws could be local, state, federal law, and regulations.

  • But sometimes the carrier acts in bad faith and waits way too long.

Next, insurance can fall into many categories: However, much discussed here is under the purview of private insurance companies and policies.

These can include insurers covering:

  • Health insurance
  • Auto insurance
  • Life insurance

But there is also:

  • Municipal insurance
  • Title insurance
  • Malpractice insurance
  • Homeowner’s insurance
  • Commercial Lines, and other specialty types of coverage

What are the Vital Terms of an Insurance Contract?

  • Benefit: The compensation given by the insurance company in case of a loss.
  • Claim: A request for a benefit in the event of a loss.
  • Coverage: Types of losses which would be compensated by the insurance company.
  • Insurance Agent: Licensed representative that sells insurance policies.
  • Insured: The person that would receive the benefit. With life insurance, the insured would be the deceased. But the beneficiary would receive the benefit.
  • Policy: Agreement for coverage signed by the insurance company and insured.
  • Premium: Payments to establish and keep the plan.

What is a An Injury Attorney’s Role after a Claim? How Can ELFPI Help You?

In the case of a claim, the insurance company will often hire an attorney to represent their insured who hurt you. These are often advocates working with the enterprise. So they will not get paid by directly by the insured.

  • In some cases, the insured chooses which attorney should represent them in and out of court.
  • FOR EXAMPLE: A conflict can arise that entitles the defendant insured to retain Cumis Counsel, discussed here.
  • However, in both instances, there have been concerns whether or not all lawyers are fair.

After all, they git hired by the insurance companies. So will they fight until the end for the policy-holder?

The insured doesn’t foot your lawyer's bill?

  • Some lawyers get in over their heads and will take almost any offer.
  • And if you won't take it, your lawyer they could drop your file and leave you with no representation at all. Imagine that?
  • Will your plaintiff's advocate back out before you are adequately compensated? One of the issues that commonly comes up is the plaintiff's attorney's specialization.
  • Most attorneys have some specialized knowledge of insurance law.
  • But not all lawyers become specialized in either insurance or personal injury.

Making sure the attorney representing you is one of the most difficult parts of your life. So you must assure the attorney is sufficiently qualified.

And this is a critical factor. For more information or a free consultation, please do not hesitate to call Ehline Law. Our number in L.A. is (213) 596-9642.  

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Ehline Law Firm
Personal Injury Attorneys, APLC

633 W 5th St #2890
Los Angeles, CA 90071

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