Proven Insurance Defense Services
When you find yourself as the defendant in an insurance claim, you need an insurance law attorney who takes your situation as seriously as you do. With the help of skilled legal guidance, you can pursue the outcome you deserve in your case. At the Law Office of Robert R. Coulombe Jr., you can find the representation you are looking for from a seasoned and committed attorney.
When it comes to defending against insurance claims, attorney Robert R. Coulombe Jr. stands out as a leading insurance defense lawyer. With over 30 years of experience and a track record of approximately 100 trials, he offers unmatched proficiency in handling a wide range of cases. From minor rear-end collisions to catastrophic injury defense involving multivehicle accidents with fatalities, we have successfully represented clients in both straightforward and complex insurance coverage disputes. Whether dealing with auto insurance, homeowners insurance or commercial liability cases, we are prepared to fight for you.
Understanding Your Insurance Coverage
Navigating insurance policy interpretation can be daunting. Trying to understand the finer details of policy exclusions, umbrella coverage and excess coverage can have your head spinning, but we are here to keep things simple. Our team can help you understand what your insurance policy limits your maximum payout and what you would be responsible for beyond that.
Professional liability and property insurance policies each have their own nuances, and understanding these can prevent unexpected personal liability. We can shed some light on your unique policy and give you a better understanding of your duty to defend and the implications of your declarations page.
The Insurance Defense Process
If you are sued, knowing what to expect can alleviate stress. As your insurance defense lawyer, we will help you through every stage of protecting your interests. The process includes:
- Claims investigation: Collect documents, interview involved parties, assess the scene, review policy details and consult experts to verify the claim’s legitimacy.
- Adjuster communications: Communicate with the claimant and experts to discuss the claim, gather additional information, and provide status updates.
- Claim evaluation: Analyze investigation findings, determine policy coverage and calculate appropriate compensation.
Settlement negotiations may occur, but we will keep you informed through every stage of your claim, even against complex personal injury or property damage claims.
Client Concerns Addressed
Facing a lawsuit raises the question, “How will this affect me?” We address these concerns by highlighting the obligations of each party. We also take a comprehensive approach to explore scenarios involving exceeded policy limits, and how insurance subrogation and insurance arbitration might play a role. We are committed to keeping you informed through every step of your defense process.
FAQs About Your Obligations And Insurance Policy Limits
These issues can quickly become complicated, and we are here to answer any questions you may have to clarify your situation. Some of the questions we answer include:
What are my obligations when I’m being sued, and my insurance company assigns me a lawyer?
When your insurance company assigns you a lawyer, it is important to cooperate fully with them. Provide all necessary information and documentation related to the claim. Your active participation and transparency are crucial for building a strong defense.
How do I know if my insurance policy limits are sufficient to cover a claim against me?
Every insurance policy outlines how much coverage it provides. We can help you review your policy, including the details of what it can cover for you.
What happens if a claim against me exceeds my insurance policy limits?
If a claim exceeds your policy limits, you may be personally liable for the excess amount. When you may be vulnerable to these claims, let us build the strongest defense we can for you.
Protect Yourself With A Professional Insurance Defense
When someone files an insurance claim against you, arm yourself with a skilled insurance law team. Contact our Miami office at 305-990-8055 or email us here to schedule your initial consultation today.