Toronto insurance defence lawyers focus their practice on handling
disputes relating to insurance law. They typically provide representation in
court to protect the business interest of insurance companies and also to
defend the rights of insured individuals who are faced with legal proceedings.
They handle a wide range of legal issues relating to individual or
commercial insurance policies and claims, which may include some of the
following:
●
Personal Injury
●
Homeowners’ Liability
●
Construction
●
Motor vehicle claims
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Crop losses
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Property damage
●
Property and casualty disputes
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Insurance Fraud
●
Product Liability
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Professional Malpractice
●
Employment
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Uninsured and Underinsured parties
●
Insurance coverage disputes
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Insurance claims handling abuses
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Subrogation
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Arson
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Class action defence
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Complex, multiparty litigation
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General liability matters
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Risk management and risk analysis
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Special risks claims defense
●
Sports and entertainment events
As there are many areas of dispute covering many types of insurances so
there are different types of insurance defence lawyers who are specialized in
one or more aspects of insurance law:
●
Disputes that deal with medical insurance claims are
usually handled by lawyers who are specialized in personal injury defense and
medical malpractice defense.
●
Car accident defense lawyers represent clients in lawsuits
related to auto accidents.
●
Real estate defense attorneys have expert knowledge on
homeowners insurance and can defend clients in title insurance claims and other
insurer liability issues.
●
Construction accident attorneys have specialty knowledge
in workers compensation insurance and can protect your interests if you have
been injured in a construction accident.
●
Bad faith attorneys can represent you if you feel like you
have been treated unfairly by your insurance company.
They handle all aspects of litigation using several methods available
for resolving disputes, including pleading, discovery depositions,settlement,
appraisal, mediation, arbitration or trial in order to pursue the best possible
outcome for their client.
Often we find insurance defence attorneys representing the insurance
company whenever disputes arise between the insurer and the policyholder. These
dispute cases may include:
Disagreements with the policyholder's coverage
The insurance company believes that the policyholder’s claim is false,
frivolous, or made in bad faith
There is significant misrepresentation by the policyholder in order to
receive compensation.
Compensation claims are considered excessive or unnecessary
Insurance companies also hire the services of an insurance defense
lawyer to routinely review their policies and ensure that they are compliant
with applicable state laws and regulations.
When an insured person is sued, the insurance company assigns a defense
lawyer to represent the policyholder. The attorney is chosen based on the
insurance company’s list of referred lawyers. This is to ensure that costs are
kept to a minimum and that the rights and interests of both the policyholder
and the insurance company are protected in such legal proceedings.
However, some policyholders choose not to use an insurance
company-appointed lawyer and decide to hire their own attorney to make sure
that they are protected fully. This can happen particularly when issues of
conflict of interests arise between the insured and the insurer. In many of these cases, the courts have allowed the
insured person to hire their own counsel at the insurance company’s expense.
If you're worried about trusting your insurance company and you're not
sure what your rights are, the best course for you is to consult with Toronto
insurance defence lawyers who can explain the law and represent you in court.
In any case, whether you need professional help to get an insurance claim or
have to sue your insurance company, when you hire your own lawyer you will have
an advocate for your rights and interests and have a fair chance of standing up
against your insurance company.
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