Insurance Law and Litigation
Chicago Insurance Litigation
The attorneys of Roth Fioretti have extensive experience handling insurance law issues in Illinois, representing both insurers and insured individuals and businesses. Our services cover a broad range of insurance matters including claims for coverage under fire insurance and all risk policies, bad faith claims, and insurance subrogation issues.
Insurance Dispute Attorneys Chicago, IL
Policyholders rely on the protection provided by their insurance policies in the case of loss or damage from covered events. When you have an insurance claim, you should be able to trust your insurance carrier to swiftly handle your claim according to the policy terms. When the insurance company fails to pay your claim or doesn’t act fairly, you may be able to pursue recourse through legal action.
Types of Insurance Coverage Policy Disputes
Roth Fioretti represents the insured in insurance coverage disputes for the following types of personal and business insurance policies:
- Commercial insurance, including coverage under fire insurance policies
- Homeowners insurance
- Motorcycle insurance
- Life insurance
- Long-term disability insurance
- Health insurance
- Business insurance
- Directors’ and officers’ liability insurance
- Professional liability insurance
- Commercial property insurance
Insurance Breach of Contract
Many insurance lawsuits arise when the insurance company fails to pay an insurance claim. There are several valid reasons an insurer may deny a claim including suspected insurance fraud, policy exclusions, or a lapse in policy. However, there are other instances in which the insurance company denies or underpays on valid claims.
In Illinois, insurance companies must comply with the laws outlined under the Illinois Insurance Code. Under this code, an insurer who fails to perform its duties under a valid, in force insurance policy may be sued for breach of contract to recover the amount due under the policy benefits.
Roth Fioretti represents insured clients with underpaid and unpaid insurance claims, helping them recover the amounts in dispute through litigation. We have recovered multi-millions of dollars for our insurance clients. We are not afraid to take these cases to trial, and have recovered millions of dollars for our clients through aggressive litigation.
Insurance Bad Faith Conduct
When issuing policies, insurance carriers must operate under an “implied covenant of good faith and fair dealing.” This covenant requires an insurance company to negotiate and settle claims in a reasonable and timely manner. When the insurer fails to uphold this good faith covenant, the court may find they are engaging in “bad faith” conduct. Some common examples of insurance companies acting in bad faith include:
- Failure to investigate a claim before denying it
- Failing to provide defense for a policyholder
- Failure to respond to a claim in a timely manner
- Gross underpayment of the amount due the insured
- Unjustified denial of coverage
In a case of bad faith conduct, under section 155 of the Illinois Insurance Code, the insured may be entitled to recover some attorney fees, other costs, and penalties. This part of the code protects the interests of insureds by making it more feasible for them to bring legal action against the insurer.
Our team of legal experts assists insured clients with bad faith conduct claims against negligent insurance companies, helping them seek additional damages available under the law. We also represent insurers in bad faith suits.
Insurance Lawyers Chicago
At Roth Fioretti, we help both insurers and insured parties navigate the intricacies of insurance law. Our Chicago lawyers have decades of experience representing clients in complex insurance matters and insurance litigation.