Experienced Advocacy For Insurance Coverage Disputes
Many times, victims of significant injuries are left with multiple defendants (or their insurance companies) each claiming that they are not responsible for the loss. In many instances, insurers are not completely forthright about their potential applicable coverage until a suit is filed by the injured claimant.
The Houghton Law Firm, LLC insurance disputes and litigation in Georgia, primarily in the context of trucking accidents and auto wrecks. Our legal team has undertaken successful representation on complex insurance coverage matters as counsel for both the injured plaintiff as well as individual counsel for insureds who have become exposed to these claims by insurers.
We Regularly Handle Complex Insurance Cases
Sometimes, extra insurance policies are not disclosed until these insurers are required by subpoena to provide them. In the context of motor carrier cases (truck accidents), the complexity of the owner-operator/lease arrangement is often used to the defense’s benefit in improperly claiming that a driver was not insured at the time of a collision.
What many lawyers overlook is the unique relationship that these liability insurers have with their insureds. Insurers are required to give equal consideration to both their policyholder/insured’s interests and their own shareholder’s interests. Insurers are required to act in good faith toward their insureds by settling potential claims or providing adequate defense. Under Georgia law, there is a strong presumption toward the existence of coverage if a liability policy was in effect at the time of the loss.
Attorney John Houghton is well versed in all types of coverage disputes, including but not limited to:
- First party claims in car accidents against the other driver’s insurance
- Uninsured motorist (UM) and underinsured motorist (UIM) claims under the victim’s own auto policy
- Homeowner’s insurance in dog attack cases
- Commercial property insurance in negligent security cases
- Third-party liability in construction accidents
- Subrogation litigation (claims against a personal injury settlement)
- Failure to defend policyholders or engage in good faith negotiations
Let Our Experience Work For You
Dealing with insurance companies is frustrating, especially when you know you are getting the run-around. The Houghton Law Firm, LLC knows how to enforce your rights and compel insurers to honor their policies or fulfill their obligation to defend policyholders.