An Overview of Insurance Law
For individuals, insurance law concerns when and how claims can be filed and paid. If you’re making an insurance claim against someone, you might need an attorney. Likewise, if your insurance claim has been denied, you can get an insurance attorney to work on your appeal. If someone is making a claim against you, your insurance company will often assign an attorney to your case. However, some insurance companies allow the insured to select an attorney.
Insurance Law – What You Need to Know
There are two types of insurance: public and private. Public insurance programs are run by the government and include social security, Medicare, and Medicaid. Private insurance is the most common type and is run by private companies. There are many things in which you can have an insurable interest and that can be covered by insurance, including homeowners, car, health, life, and disability insurance.
- This legal area is comprised of both state and federal law.
- There are two types of insurance: public and private.
- Public insurance programs are run by the government and include things like social security, Medicare, and Medicaid.
- Private insurance is the most common type and is run by private companies; it includes homeowners, car, health, life, and disability insurance.
If you’re making an insurance claim against someone, you will want to seek the services of an insurance lawyer.
OUR APPROACH
Farrer and Co. Law Firm strive to build long term partnerships with our clients. We dedicate time to get to know our clients and their businesses. Understanding each client’s unique individual and business needs, goals and requirements is the cornerstone of our commitment to every client.
Our full service law firm offers a broad range of experience to meet a diverse spectrum of legal needs. Our thorough legal approach is a hallmark of outstanding value. Pender & Coward’s attorneys continuously work to strengthen their skills in a chosen practice area in order to meet evolving needs of our clients. Our priority is a quick yet accurate response to client questions and concerns. We recognize that legal issues often arise without warning and need to be addressed without delay.
Commercial Real Estate, Zoning, Planning & Land Use
Our commercial real estate, zoning, planning and land use team advises on all aspects of commercial property matters to provide a comprehensive offering to our clients. Our advice includes but is not limited to the following areas:
- Review of title-related documentation, title checks and examination of title documents in relation to the acquisition of new property;
- Development and lease agreements, escrow agreement and security arrangements;
- Due diligence on property documentation and negotiations with property owners and lessors on behalf of tenants and land developers;
- Drafting of land lease agreements;
- Title investigation in respect of third party rights over land.
Environment
This is an area of law that has become of increasing importance for our clients, particularly in the onshore and offshore oil and gas production and petrochemical sectors. We regularly advise our clients on environmental legal issues which may occur in the course of their everyday corporate activity. Our environmental law team has extensive experience with carrying out due diligence and investigation of the environmental liabilities of our clients, particularly those operating. We also regularly advise on the procedures for obtaining ecological passports and mandatory ecological insurance in compliance with environmental regulations.
Banking & Finance
Our finance practice has established a first-class reputation in the region and we have a strong client base which includes many international financial institutions and banks. We have advised foreign lenders on significant debt restructuring matters in addition to specific project finance matters. Our team also has experience advising EBRD and major western banks on complex equity transactions.
The team are knowledgeable on a broad range of financial matters, as well as conducting due diligence on local banks, telecommunications, insurance and oil sector service companies.
Intellectual Property & Franchising
We regularly advise our clients on IP registrations, enforcement of IP related rights and licensing of IP rights. Our experience also includes an in-depth analysis of franchising and distribution agreements from law perspectives. Our experts also offer consultation in product liability issues and consumer protection requirements.
The Outcome of the Lawsuit
The outcome that you might expect in your case will depend on a number of factors. First, the court where you filed your case affects the possible outcomes. Different courts have different jurisdiction and may be limited in the kind of relief the court can order or award. So not every court can issue each of the types of relief explained below. Generally, some courts can only award money damages, some courts can only order people to do or not to do certain things (“equitable relief”), and some courts can award both.
Second, the relief that you can get in your case will also depend on what you have asked for in your petition or complaint. Generally, a court can only award relief that is asked for in the petition. For example, in restraining order case, unless you specifically ask for temporary custody in your petition, the court may not be able to grant that outcome. It may be possible for you to amend your petition, but there are rules that may not allow you to amend the petition in certain circumstances. It is important to include the relief that you want in your complaint or petition so that you are not prevented from getting that outcome at the end of your case.