Birmingham Insurance Lawyer

The proven Birmingham insurance lawyers at Christian & Small are experienced in the effective handling of insurance-related lawsuits, as it pertains to Alabama insurance law.

The Birmingham insurance attorneys have experience representing clients in insurance law matters involving:

Car Insurance
Casualty Insurance
Commercial Insurance
Consumer Fraud
Disability Insurance
Fire Insurance
First Party Insurance
First and Third-Party Insurance
Flood Insurance
General Liability Insurance
Homeowners Insurance
Insurance Bad Faith
Property Insurance

Experienced Birmingham Insurance Attorney

The term “insurance” is a contractual agreement; most commonly refers to the instance of an insurance policy, which legally binds the insurer to cover the cost of all or any portion of damages suffered by the insured party as defined in the policy. In its essence, the purpose of insurance is to measure the risks of a potential loss from the insured party.

While types of insurance vary widely, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Everyone pays a “premium” into a pool, from which losses are paid out. The premium is not returnable if a loss is not suffered; in that case, the payment is for ‘peace of mind”. Thus, when a loss is suffered, the loss is spread to the people contributing to the pool. To ensure these pools are properly managed and adequately funded, the government and the courts heavily regulate the insurance industry.

Trusted Birmingham Insurance Law Firm

The Birmingham insurance lawyers at Christian & Small are distinguished by a history of successful insurance law recoveries and resolutions. For experienced representation in an insurance dispute, contact the Birmingham insurance attorneys at Christian & Small in Alabama.