Most Americans have insurance in some form. According to CDC, a little less than 70 percent of American adults have private health insurance coverage, with 20 percent of the same sample holding a public insurance policy. Aside from health insurance, people also purchase auto insurance, home insurance, life insurance, or other types of insurance. Image source: americanbar.org Being such a heavily regulated industry and with millions of people involved in it, lawyers need to gain a broad knowledge and experience to practice insurance law. No two insurance lawsuits exhibit the same fact pattern, so insurance defense requires creativity and comprehensive fact-finding. Insurance companies often need legal expertise in investigating or verifying claims. Attorneys make sure that the claim being made is actually covered in the policy. They give legal advice about insurance fraud and false claims and settling coverage disputes.But Insurance defense attorneys are needed most when there is litigation involved. Image source: local-insurance.ca Daniel E. DeKoter is a lawyer and partner at DeKoter, Thole & Dawson, PLC, whose one of many practice areas is insurance defense. The firm has represented insurance companies in negligence cases and defended product liability cases. For more discussion on law, follow this Twitter page.
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