Insurance Policy Disputes
Expertise in Litigations
Years of experience assisting insurers in complex insurance disputes and litigation
Insurance litigation is a specialized area of civil litigation.
Not every lawyer has experience handling complex insurance coverage disputes.
Our attorney has extensive experience assisting insurance companies with claims disputes and litigation, with a thorough understanding of insurance policy provisions, claims practices, and litigation strategy.
We approach each case from both the insurance practice and legal perspectives to develop a comprehensive litigation strategy.
Insurance Policy Disputes
What Makes Insurance Disputes So Difficult?
01｜The Insurer Claims the Loss Is Not Covered
02｜The Insurer Relies on a Policy Exclusion
03｜Causation Is Difficult to Establish
Life & Health Insurance
Disputes involving death benefits, disability benefits, critical illness coverage, medical expenses, pre-existing conditions, and the insurer’s denial of coverage based on alleged non-disclosure.
Liability Insurance
Claims involving public liability, product liability, employer’s liability, and other third-party liability insurance.
Fire & Property Insurance
Disputes involving fire damage, equipment damage, building damage, inventory losses, causation of the insured event, and the scope of insurance coverage.
The Core of Insurance Litigation Goes Beyond the Policy
Insurance coverage disputes often involve multiple issues at the same time, including the interpretation of policy provisions, factual findings, and the collection and presentation of evidence.
01 Insurance Policy
Determine the scope of coverage, applicable policy provisions, exclusions, and the contractual obligations of the parties.
02 Cause of Loss
Clarify how the incident occurred and determine the causal relationship between the claimed loss and the insured event.
03 Proof of Loss
Organize and evaluate the evidence supporting the claimed loss and determine whether expert appraisal or other court-appointed expert evidence may be necessary.
04 Legal Arguments
Translate complex policy provisions, technical issues, and factual evidence into clear and persuasive legal arguments that can be effectively presented to the court.
REPRESENTATIVE EXPERIENCE
Why Do Major Insurance Disputes Require Lawyers Experienced in Insurance Coverage Litigation?
01 Practical Experience in Major Insurance Litigation
We have participated in insurance litigation involving a major fire loss with claims exceeding NT$1 billion, and are familiar with the legal and evidentiary issues involved in high-value and complex insurance disputes.
02 From Policy Language to Evidence of Loss
We go beyond simply reading the insurance policy. We examine the cause of the incident, the scope of loss, and the structure of the evidence to reassess whether the insurer’s grounds for denying coverage are legally and factually supported.
03 Ability to Handle Complex Evidence
Insurance litigation may involve expert reports, financial statements, medical records, and technical evidence. We help organize complex materials into clear, structured, and persuasive legal arguments.
COMMON QUESTIONS
If the Insurance Company Denies My Claim, Does That Mean I Cannot Recover Anything?
Not necessarily.
An insurer’s denial of a claim is not a court judgment. The policy terms, the insurer’s stated reasons for denial, the facts of the incident, and the relevant evidence should be carefully reviewed to determine whether the denial has a valid legal basis.
If the Insurance Company Agrees to Pay Only Part of My Claim, Can I Seek More?
Possibly.
In addition to whether the insurer is liable for the claim, the amount of insurance benefits or compensation payable is often a central issue in insurance disputes.
The amount that may ultimately be recovered depends on the policy terms and the evidence supporting the claimed loss.
What Should I Do After Receiving a Claim Denial Letter?
Keep the denial letter, the complete insurance policy, policy application documents, all documents relating to the insured event, and records of your communications with the insurance company.
You should also consider consulting a lawyer to review the insurer’s reasons for denial and any applicable limitation periods.
The Insurance Company Says I Failed to Disclose Certain Information When I Applied for the Policy. What Should I Do?
It is still necessary to determine what information was allegedly not disclosed, what questions the insurer actually asked during the application process, and whether the alleged non-disclosure is legally relevant to the insured event.
An insurer’s assertion of non-disclosure does not automatically mean that its denial of coverage is legally justified.
How Long Does Insurance Litigation Usually Take?
The duration depends on the complexity of the case, the court’s schedule, whether expert appraisal is required, and the scope of the parties’ disputes.Major insurance cases involving extensive evidence and specialized issues generally take longer to resolve.
A complex case may take one to two years or longer.
Can I Bring My Insurance Policy and Claim Denial Letter to a Legal Consultation?
Yes. We recommend bringing the complete insurance policy, claim application materials, the insurer’s written response or denial letter, documents relating to the insured event, and important communication records.
These materials will allow the lawyer to conduct a preliminary assessment of your case.