Insurance Litigation: Navigating Disputes and Claims

At Lazarus, we understand the complexities of insurance law and the challenges that arise from the application and interpretation, when required, of the terms and conditions of an insurance policy.

Assessing Policy Validity and Coverage in Relation to Risk and Insured Representations

First and foremost, a determination must be made as to the representations and declarations made by the insured to obtain the subscription of the policy, in order to verify the validity of the consent given by the insurer and whether the risk that occurred was indeed contemplated under the policy or to the contrary, if the circumstances constitute an aggravation of risk allowing an insurer to suspend coverage, in whole or in part. Secondly, the policy must be carefully analyzed to determine, aside from its coverage, if the risk involved was specifically excluded. The situation is often complicated by the existence of policy endorsements. The word-to-word (full length) policy is the contract, and its terms and conditions will prevail over a coverage summary received when the policy was contracted or upon its renewal.

Areas of Insurance Law

Lazarus offers expert legal services across various areas of insurance law. We provide guidance in areas such as car insurance (collision), residential insurance, homeowner/tenant insurance, commercial insurance (such as business interruption claims, loss profits, etc.), and liability insurance. Whether you are navigating claims, policy disputes or would like to understand your complex coverage details, we are committed to ensuring that your interests are protected and that your insurance needs are addressed.

Contact Us

Do not hesitate to contact us should you need to obtain an opinion regarding an insurance policy, a loss sustained that may or not be covered thereunder, or an insurance policy dispute. Our team can assist you when it comes to managing complex insurance matters.