Insurance Law


It is useful to understand insurance first In order to understand insurance law. Insurance is an agreement in which one party (the “insured”) pays money which can be termed as a premium and the other party promises to repay the insured party for some definite types of losses (property damage, illness, or death) when and if they happen.

There are three major categories under which the Insurance law falls. First, in case the insured person is sued for something related to the insurance contract the insurance company will hire lawyers to represent the insured. These kinds of attorneys are generally known as insurance defense attorneys. For example, if an insured driver is sued for causing another driver’s injuries an automobile insurance company will hire an attorney to represent that insured driver. The second category of insurance law helps insured people determine when an insurance company must pay a claim. Third, to make sure the company complies with all applicable laws and regulations the insurance companies typically hire attorneys, for handling such cases especially because the insurance laws can vary by state.


Insurances can be of many types. There are some insurance that are government run, like worker’s compensation, Social Security disability, and unemployment insurance. However, the term “insurance law” by and large refers to the law surrounding personal or private insurance. The most universal types of private insurance are automobile liability insurance, health insurance, homeowner’s insurance, malpractice insurance, life insurance, and title insurance.