Insurance Claims & Litigation
As vital as insurance is to mitigate both personal and business risks, few policyholders know exactly what losses their insurance actually covers. All too often, it comes as an unpleasant, and sometimes disastrous, surprise to a business owner or individual, who thought they had “full coverage” through their policy, that their claim has been denied by their insurance company.
Insurance policies are complicated documents, written by lawyers primarily for the benefit of insurance companies – not necessarily policyholders. Moreover, and as important as insurance agents are to the procurement of insurance and handling of claims, with limited exceptions they are under no obligation to go over your insurance policy coverages with you. Instead, the law in Arkansas and a number of other states is that the policyholder is responsible for familiarizing himself or herself with the risks covered by their insurance.
As a part of its Business Advisory Services, Keech Law Firm will review your policy and brief you on the risks covered and not covered. Our attorneys apply years of experience representing both insurance companies and policyholders in insurance disputes to help you determine whether your particular risks are covered under your insurance policy and give you informed questions to take back to your insurance agent.
Although many denials of insurance claims are valid (due to the favorable language that insurance companies put into their policies), the law often favors a policyholder when the language of a policy could be interpreted to either allow or disallow coverage. However, you often need an experienced insurance attorney to help you with coverage issues.
If an insurance company has denied your claim, or if you feel they have failed to settle it fairly, Keech Law Firm can advise you on your options and represent your interests. Whether you need someone to deal with the insurance company on your behalf or represent you in court, our attorneys are here to help.