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If I am sued, does my insurance company defend me in court?
When you buy liability insurance, part of the insurance company's obligation is to provide a defense for you if you are sued. The insurance company will do this by hiring ...
If I am sued, can my insurance company settle the case without my consent?
Under most types of liability insurance, the insurance company has the contractual right to settle or defend the case as it sees fit. You normally will have an opportunity to ...
What is a ‘reservation of rights’ letter?
If you are sued, the legal complaint filed against you may state several different claims, some of which may be covered by your liability insurance policy and some of which ...
Lawsuit for ‘bad faith’
All insurance policies contain an implied obligation applicable to the insurance company of "good faith and fair dealing" towards its insured. When a claim is presented, this implied obligation means ...
Are there any options for resolving a dispute with my insurance company other than suing the company in court?Arbitration
Some insurance policies contain a provision allowing or requiring arbitration of certain disputes between the insurance company and the insured, and this may include disputes regarding certain types of claims. ...
Complaint to department of insurance
The insurance regulatory agencies of most states (usually called the "Department of Insurance" or similar name) have established procedures whereby consumers who believe they have been subjected to unfair claims ...
We have a policy limit of $100,000. Does this mean that any medical bills, damages, legal fees, etc. That exceed that limit are my responsibility?
Your insurance company is only obligated to pay up to the policy limits in settlement or after a court judgment. However, if you actually go to trial and obtain a ...
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