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What Does Insurance Lawyers Do?
Up until 1944, insurance was not considered "commerce" and not subject to state or Federal regulation. But, because of some key cases, including United States v. South-Eastern Underwriters Association, Congress passed acts that provided the power to states to regulate and control the insurance businesses. While state insurance statutes override most Federal laws, some portions of federal law (like Federal tax laws) are always commanding. State laws govern the "business of insurance," while federal laws govern the peripherals of the industry (e.g., labor, tax, securities, etc.). A Insurance lawyer deals with the state statutes and Federal laws governing the insurance business and the peripherals of the industry.
Should I hire an Insurance Lawyer?
If you are a policy holder who has been involved in a motor vehicle accident, or party to any of these scenarios:
- Underinsured motorist (UIM) or uninsured motorist (UM) claims.
- Claims of bad faith conduct on the part of the insurer, including the wrongful denial of benefits, the failure to defend the policy holder from liability, or improper termination of coverage.
- Product and retailer liability claims.
- Property and casualty claims.
- Pharmaceutical and drug company liability claims.
- Disputes relating to group health insurance or individual health insurance claims.
- Disputes relating to life insurance or annuity claim.
- Disputes relating to home insurance claim.
- Any insurance related dispute.
If you have questions relating to any of these or other insurance law related issues, use the search function on this page to find a qualified insurance lawyer that's right for you.
Click to learn about Insurance Law on LawInfo.