It is not unusual for insurance companies to attempt to avoid paying claims by denying coverage. For the average layman, an insurance policy is extremely difficult to read, much less understand. Insurance policies are specialized contracts which require analysis, under standard contract law, rules, regulations, cases and statutes unique to insurance products.

In Georgia and South Carolina, your insurance carrier owes you a duty of good faith and fair dealing in processing and adjusting insurance claims made by you or made by others against you. If an insurance carrier fails or refuses to properly and timely evaluate, adjust or pay your claim or a claim made against you, you have legal recourse to recoup the damages you suffer as a result of the insurance carrier’s bad faith and breach of contract. George Bush Law Firm handles insurance litigation in the following areas:

Automobile liability— Insult is added to injury when a person is sued for causing an automobile accident and their auto insurance carrier denies coverage or puts the policyholder on notice that the claim may exceed the policy limits. On the other hand, if one is the victim in an auto accident, it is extremely important to find all the automobile liability insurance available to pay for damages.

Automobile Uninsured Motorist/Underinsured Motorist — Georgia has unique and complicated uninsured/underinsured motorist laws. Rarely if ever do insurance agents understand all the nuances in the statutes and cases. It is imperative to consult an attorney with knowledge of Georgia’s unique rules

Homeowners — For most people, a home is their largest investment. When it is damaged by fire, wind, hail, storms, flooding, falling trees or other causes, it is critical that the homeowner’s casualty policy pays to restore the home.

Commercial general liability (CGL)— Commercial general liability policies protect small businesses from claims and lawsuits. If coverage is denied or is inadequate, it is imperative for the policyholder to quickly assert his rights under the CGL and applicable riders.

Life — It is difficult on a family when the tragedy of death is compounded by denial or delay in paying a claim on a life insurance policy. Like most states, Georgia has several laws which protect life insurance policy beneficiaries.