Practice Areas
Insurance Agent Litigation
You relied on an insurance agent or broker to help you choose the right product at the right price. But what happens when catastrophe strikes and your insurance does not cover it? Or what if the benefits are too few to meaningfully protect you, or you spent double what you could have for the same insurance coverage? Or perhaps you have been injured, but the insurance agent or broker for the party responsible for your injuries failed to get enough coverage to take care of your injuries.
At L&L, we are here to help. We dedicate ourselves to helping clients assert their rights when their insurance agents or brokers let them down – whether relating to personal or commercial/business coverages. Our lawyers have years of experience fighting for people whose insurance agents or brokers have been careless or who have violated their trust.
Types of Disputes
L&L handles all kinds of disputes arising out of the insurance agent/customer relationship. These include:
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Claims against a liability insurance agent for failing to procure sufficient coverage limits to adequately protect your assets from persons injured in a catastrophic auto accident
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Claims against a property insurance agent for failing to advise about the availability of less expensive windstorm insurance options, resulting in needless additional premium expense
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Claims against an insurance agent responsible for a construction wrap-up insurance program, which leaves uninsured risks from construction defect property damage
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Claims against an auto insurance agent for failing to properly advise about the availability of uninsured and underinsured motorists (“UM”) coverage and the opportunities to maximize coverage through stacking and umbrella options
In almost any situation in which you (or the party responsible for your injuries) relied on an insurance agent or broker and later learn that you (or they) have inadequate protection for a loss or accident – or that you paid too much for your insurance – we can help. We will determine whether your (or their) insurance agent or broker has any legal responsibility. And if so, we can help you assert your rights against your (or their) insurance agent or broker.
Our Process
We typically begin by gathering pertinent information from our clients about the business relationship with the insurance agent or broker. We do this by having comprehensive discussions with our clients and analyzing available contracts, correspondence, and related documentary evidence. We also thoroughly research the insurance agent or broker and secure early disclosure of the agent's or broker’s professional liability insurance to evaluate the likelihood that it can financially respond to a potential claim against it. Assessing whether an insurance agent or broker has breached fiduciary duties or acted negligently often requires an expert opinion, and we routinely consult with such experts to evaluate your case.
If it is determined that you have a meritorious case, we frequently make initial efforts to resolve the matter quickly and efficiently through pre-suit negotiation. But when the insurance agent or broker and its liability insurer are unwilling to engage in reasonable negotiations, or negotiations fail, we pursue justice through the court system. At L&L, we have vast experience litigating cases through trial and, when necessary, the appellate process, to secure a favorable outcome for our clients.
How To Get Started
Contact us! If you believe an insurance agent or broker failed to properly advise you or left you with inadequate coverage, we can help you understand your options. L&L will evaluate your situation, review the details of your policy and relationship, and guide you on the next steps to protect your rights and pursue a claim.