Daphne Insurance Defense Lawyer

The proven Daphne insurance defense lawyers at Christian & Small LLP are experienced in the effective handling of insurance related lawsuits, as it pertains to Alabama insurance law. Insurance defense focuses on matters of protecting the rights of insurance companies in the defense of claims made by policyholders, typically as a result of a plaintiff filing a lawsuit against his or her insurance carrier after being denied an insurance claim.

The Daphne insurance defense attorneys have experience representing clients in insurance defense matters involving:

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

Experienced Daphne Insurance Defense 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. The area of Alabama insurance law involves the Federal laws and state statutes regulating the business and commercial conduct of the insurance industry.

While types of insurance vary widely in Alabama, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual 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 in Alabama.

Trusted Daphne Insurance Defense Law Firm

The Daphne insurance defense lawyers at Christian & Small LLP are distinguished by a history of successful recoveries. For experienced representation in an insurance dispute, contact the Daphne insurance defense attorneys at Christian & Small LLP in Alabama.