Insurance contracts are called contracts of adhesion because the insurers and insureds are not on equal footing when the contract is formed, or later when it is performed. Contracts of adhesion are subject to special rules of interpretation protecting the insured.
Insurance can be complicated. Insurance companies want to know the attorney entrusted to handle a matter is experienced and provides cost-effective service. Insureds want this, too, but they also want to be sure the attorney’s first priority is to keep their interests in mind, not just the interests of an insurance company.
This is why some clients prefer to choose the lawyer and have the insurance company pay for the lawyer’s services. Insurance contracts permit the insured to make this decision.
When you choose the lawyer, you often have a greater participation and a more “say” in how you are represented. This is especially true where you choose a law firm familiar with your individual or business affairs.
And it often makes sense to have closer control over how your policy deductible is spent.
Our Law Firm can represent you in litigations paid for by your insurance carrier. We also can help in circumstances where disputes arise about whether coverage is available or what the extent of coverage may be.
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