Insurance litigation involves the representation of a party carrying insurance; however, the insurance company disputes that coverage existed under the policy for a particular problem. You, the policyholder, expect coverage from your insurance company. The insurer refuses to cover you, thus an issue over first party coverage exists.

An insurer has a duty to act in good faith when addressing a policyholder's claim. An insurer acting unreasonably or in bad faith by denying coverage may be liable to an insured for damages as a result of its actions. The damages to the policyholder may consist of the benefits available under the policy, emotional distress, attorney's fees and punitive damages.

I have handled insurance coverage "bad faith" disputes for the policyholder or insured in the following circumstances: 

    - coverage for a lawsuit by a customer claiming ADA disability discrimination 

    - coverage for med-pay benefits under an automobile policy 

    - coverage for vandalism under a commercial building policy 

    - coverage for a lawsuit by a tenant claiming wrongful eviction against a LL 

    - coverage for dental bills under an individual health insurance policy when teeth were damaged in a fall