Author: addisonjons

Insurance coverage investigations are critical components in the insurance industry, serving as the bridge between policyholders, insurers, and the law. These investigations determine whether an insurance company is liable to pay a claim and to what extent, while also ensuring compliance with legal and contractual obligations. However, navigating the legal side of these investigations requires careful attention to laws, regulations, and ethical considerations, as any misstep can lead to serious consequences, including litigation, fines, or reputational damage. Understanding Insurance Coverage Investigations Insurance coverage investigations involve reviewing claims to determine whether they are valid under the terms of an insurance policy.…

In insurance claims and litigation, few processes are as underestimated, or as consequential, as policy limit investigations. Often treated as a routine administrative step, these investigations play a critical role in shaping settlement strategies, managing exposure, and protecting insureds from catastrophic financial outcomes. When handled properly, a policy limit investigation can streamline negotiations, prevent unnecessary litigation, and reduce bad faith risk. When handled poorly or ignored altogether, the consequences can be severe. Despite their importance, policy limits are frequently misunderstood. Many assume they only matter in high-dollar or catastrophic claims, or that limits will “sort themselves out” once negotiations begin.…