Insurance Law

Insurance companies often sustain financial losses when policyholders need to use their coverage, especially if their claims are significant. Insurance companies may defend against claims when there are questionable details about the situation. They may also be able...

Cyber liability claims are becoming more common as businesses rely on computers and online systems to store information and run daily operations. In Ohio, these claims often raise questions about coverage, notice, and policy wording, especially when losses involve...

When an insurance company agrees to defend a policyholder, it might send a document called a reservation of rights letter. This letter can sound confusing, but it carries serious implications for your case. Understanding what it means helps you avoid surprises later...

When you make an insurance claim, it is essential to know if the one you are making is first-party or third-party. The most significant difference between them is who is making it and who is responsible for paying. What is a first-party claim? A first-party claim is...

Understanding the deadlines for filing insurance claims in Ohio can protect your right to recover compensation. The state sets specific time limits that you must follow to keep your claim valid and avoid losing your benefits. What is a statute of limitations? A...

Insurance companies in Ohio can't just cancel your policy without reason. If you're facing a rescission, it means the insurer wants to void your policy as if it did not exist. This only happens under specific circumstances. Understanding when and how this can occur...

When an insurance company evaluates a liability claim, it must determine the extent of damages before deciding on a payout. This process involves analyzing various factors, including the type of damages, evidence, and applicable state laws. In Ohio, specific statutes...

Climate change and stronger natural disasters create big challenges for the insurance world. These issues make insurance claims harder to manage and solve. More claims and bigger losses Hurricanes, wildfires, and floods are happening more often and causing more...

Fraudulent property damage claims can cost insurers a large amount of money and result in higher insurance premiums. To protect themselves and their clients, insurers must take steps to identify and defend against false claims.  Thorough claim investigation A thorough...

In the context of insurance law in Ohio, negligence can be a complex issue. When facing a negligence claim, understanding the defenses available can be crucial for insurers and policyholders alike. Contributory negligence One common defense against negligence is...