When an insurance company and an insured person (or organization) disagree whether their insurance contract covers a particular event or loss, the matter of insurance coverage is raised.
Attorneys who work on behalf of insurance companies practice Insurance Coverage Defense and advise companies as to their liabilities and how to handle claims.
Attorneys who work on behalf of insured individuals and organizations may assert Bad Faith claims against insurance companies for refusing to provide coverage required by an insurance contract.
It is important to distinguish Insurance Coverage disputes between an insurance company and its insured from cases in which an injured person or business may receive compensation from a defendant's insurance policy.
Insurance coverage disputes may also involve litigation between insurance companies for subrogation or indemnification. For example, a health insurance company may pursue reimbursement from a liability insurance company for medical expenses that arose out of a automobile accident.
Recent Georgia Supreme Court Decisions:
- HOOVER v. MAXUM INDEMNITY COMPANY (two cases) (Ga. 2012) More Information & Full Text
- ROYAL CAPITAL DEVELOPMENT, LLC v. MARYLAND CASUALTY CO. (Ga. 2012) More Information & Full Text
- WHITE v. STATE FARM FIRE AND CASUALTY COMPANY (Ga. 2012) More Information & Full Text
- LUMPKIN CO. v. GEORGIA INSURERS INSOLVENCY POOL (Ga. 2012) More Information & Full Text
- AMERICAN EMPIRE SURPLUS LINES INSURANCE COMPANY v. HATHAWAY DEVELOPMENT COMPANY, INC. (Ga. 2011) More Information & Full Text
- GODFREY et al. v. GEORGIA INTERLOCAL RISK MANAGEMENT AGENCY (Ga. 2011) More Information & Full Text
- State Auto Property And Casualty Company v. Matty et al. (Ga. 2010) (Georgia follows ''cause theory'' for determining number of accidents under ambiguous insurance policy) More Information & Full Text
- Reynolds et al. v. Infinity General Insurance Co. F/N/A Coventry Insurance Co. (Ga. 2010) (when notice of insurance cancellation is effective) More Information & Full Text
- World Harvest Church, Inc. v. Guideone Mutual Insurance Company (Ga. 2010) More Information & Full Text
- Thornton v. Georgia Farm Bureau Mutual Insurance Co. (Ga. 2010) More Information & Full Text
Top Rated Insurance Coverage Resources:
Individuals may represent themselves in legal matters. Self-help should be considered when possible adverse consequences are relatively modest.
ADR Options for Insurance Coverage:
- Mediation: Mediation is a recommended approach to resolving legal disputes before resorting to adversarial litigation. Mediation FAQ
- Arbitration: Arbitration is generally less expensive and time consuming than traditional litigation. Georgia law authorizes arbitration of a wide range of disputes. Arbitration FAQ
- Hybrid Mediation-Arbitration: Hybrid mediation-arbitration provides parties an opportunity to reach a voluntary settlement of some or all issues in dispute followed by arbitration of issues that the parties are unable to settle voluntarily.
- Case Evaluation: Case evaluation is an alternative dispute resolution method that is useful in the early stages of litigation.
- Discovery Audits or Masters: Discovery auditing service is available for litigated cases to help resolve complex discovery issues effectively.
Use the Center for Legal Solutions Georgia Attorney Directory to locate attorneys with experience in this subject area. See Attorneys listed on the right side of this page.
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