An insurance defence lawyer in Toronto focuses his area of practice on defence work relating to legal issues on insurance policies and claims. A lawyer who practices in insurance law offers legal advice and advocacy in matters pertaining to general liability, property and casualty claims, professional errors and omissions insurance, directors and officers insurance, bad faith claims, class actions and all aspects of associated coverage issues.
Specialization
There are many different types of insurance, health insurance, home insurance, vehicle insurance travel insurance terminal illness insurance flood insurance, earthquake insurance, mortgage insurance, lenders mortgage insurance, liability insurance, business owner's policy, chargeback insurance, etc., and each type of insurance covers different aspects of people’s life. Generally, insurance defence lawyers have the specialized education and training relating to some aspect of insurance law. Personal injury and medical malpractice lawyers, for instance, is knowledgeable about medical insurance law. Similarly, auto accident insurance lawyers are familiar with the laws relating to life insurance and accident insurance. In the same way, real estate attorneys are very educated on legislation relating to homeowners' insurance policies. Also, probate lawyers routinely deal with different types of life insurance arrangements and may be called upon to help beneficiaries claim the payments from life insurance policies.
Job Responsibilities
Insurance defense attorneys can either work for a law firm that is contracted exclusively by an insurance company or they can be hired directly by an insurance company to work in its legal department. The work involved in insurance defence tends to be high volume and can range from the routine, such as reviewing documents and analyzing state regulations to actually participating in litigation.
One primary function is to investigate the validity of a claim made against an insurance policy. This will involve evaluating policyholder liability and determine any coverage issues to make certain that the claim being made is something that is accurately covered in the terms of the insurance contract.
Insurance defense lawyers are also responsible for reviewing whether the types of contracts and business practices that the insurance company they work for complies with industry regulations. Insurance legislation may vary from state to state, so insurers must be certain that all policies meet the terms and are in accordance with the law.
When a lawsuit is ultimately filed, case management becomes another critical function of an insurance defence lawyer. This involves hands-on responsibilities for preparing the defense of a lawsuit such as tracing documents, marking calendar entries and tracking deadlines for cases.
Another key responsibility in insurance litigation is reviewing records and documents that are relevant to the lawsuit. The defence lawyer will go over case files, medical records, manufacturer's warnings, and other applicable documents and then prepare a chronological record of things as they happened, which will include extensive knowledge of procedures and terminology.
These are just some of the typical tasks that a Toronto insurance defence lawyer carries out on a regular basis. The practice of insurance defence covers a wide area and the legal issues are particularly complex, finding a good lawyer will be your very best defense toward resolving your legal issue.
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