When an Insurance Company Says No, the Analysis Shouldn't Stop There.
Insurance disputes require more than general litigation experience. Our practice combines years of experience handling insurance claims and litigation with a detailed understanding of policy language, claims practices, causation, evidence, and litigation strategy.
LL.M., National Taiwan University
Insurance litigation is not ordinary civil litigation.
When a substantial insurance claim is denied or reduced, the dispute rarely turns on a single sentence in the policy.
The real issues may involve how the policy should be interpreted, whether an exclusion actually applies, what caused the loss, whether sufficient evidence supports the claim, and whether the insurer's stated basis for denial can withstand legal scrutiny.
This is why experience specifically involving insurance claims and coverage litigation matters.
Before deciding that the claim is over, the policy, the underlying event, the insurer's reasoning, and the supporting evidence should be independently reviewed.
We understand how insurance disputes are evaluated from the insurer's side.
Before representing policyholders and clients in insurance disputes, Attorney Linda Yeh accumulated years of experience assisting insurance companies in claims disputes and litigation.
That experience provides an important perspective: understanding how insurers examine coverage, exclusions, causation, proof of loss, and litigation risk when deciding whether to pay, negotiate, or defend a claim.
When reviewing a denied claim, we ask:
We identify the specific policy language, exclusion, factual allegation, or evidentiary issue behind the denial.
Policy wording must be examined in context rather than accepting the insurer's interpretation at face value.
Causation, loss calculations, medical facts, technical evidence, and expert conclusions may become central to coverage.
We evaluate not only what happened, but how the facts can be proven through documents, witnesses, experts, and other evidence.
Experience with insurance disputes where the stakes are substantial.
Our experience includes participation in major fire insurance litigation involving claims exceeding NT$1 billion.
High-value insurance cases often require lawyers to work across policy interpretation, fire or technical evidence, causation, accounting records, proof of loss, expert opinions, and complex litigation strategy at the same time.
Why was my insurance claim denied?
Many coverage disputes begin with one of three explanations. Each requires its own legal and factual analysis.
“This loss is not covered.”
The insurer may argue that the event does not fall within the policy's coverage. The policy wording and actual circumstances of the event must be examined together.
“A policy exclusion applies.”
The existence of an exclusion does not end the analysis. The scope, interpretation, and applicability of the exclusion must still be evaluated.
“You cannot prove causation.”
Coverage may depend on what actually caused the loss. Expert reports, medical evidence, technical evidence, or court-appointed appraisal may therefore become decisive.
Insurance Coverage & Claim Disputes
We assist individuals, businesses, and other insured parties in evaluating and resolving insurance disputes in Taiwan.
Life & Health Insurance
Death benefits, disability benefits, critical illness coverage, medical expenses, pre-existing conditions, alleged non-disclosure, and disputes concerning whether the insured event falls within the policy.
Liability Insurance
Public liability, product liability, employer's liability, third-party liability, defense obligations, indemnification, and disputes concerning the scope of liability coverage.
Fire & Property Insurance
Fire losses, equipment damage, building damage, inventory loss, business-related property damage, causation disputes, valuation issues, and scope of coverage.
The policy is only one part of the case.
Strong insurance litigation requires the legal and evidentiary structure of the entire claim to be examined together.
Insurance Policy
Coverage, policy wording, exclusions, endorsements, conditions, and contractual obligations.
Cause of Loss
What happened, why it happened, and whether the loss is causally connected to an insured event.
Proof of Loss
Documents, financial records, medical records, expert evidence, technical materials, and valuation.
Legal Strategy
Turning complex policy language and evidence into clear arguments capable of being presented effectively in negotiation or court.
Insurance disputes require specialized experience.
We Know the Insurer's Perspective
Years of experience assisting insurers provides insight into how coverage disputes are evaluated, defended, negotiated, and litigated.
We Handle Complex Evidence
Major insurance cases may involve expert reports, accounting documents, medical records, technical evidence, and extensive documentary records.
We Look Beyond the Denial Letter
We independently examine the policy, facts, causation, evidence, and applicable legal arguments rather than treating the insurer's stated position as the final answer.
Linda Yeh
Linda Yeh has years of experience assisting insurance companies in complex claim disputes and litigation and has participated in major insurance litigation involving claims exceeding NT$1 billion.
Her insurance practice combines policy interpretation, litigation strategy, factual investigation, causation analysis, and the organization of complex technical and documentary evidence.
Before deciding whether to litigate, understand the strength of the claim.
Insurance litigation can involve significant time and cost. The first step should therefore be an objective assessment of the insurer's position, your evidence, and the practical value of pursuing the dispute.
Provide the Documents
Policy, denial letter, claim materials, records concerning the insured event, and important communications.
Legal Consultation
We discuss what happened, what the insurer is arguing, and what outcome you are seeking.
Case Assessment
We evaluate coverage, exclusions, causation, evidence, risks, and possible legal strategies.
Choose the Next Step
Negotiation, mediation, additional evidence, written legal action, or litigation may be considered depending on the case.
Insurance Claims in Taiwan
The insurance company denied my claim. Does that mean I cannot recover?
The insurer offered only part of my claim. Can I seek more?
What should I bring to an insurance consultation?
The insurance company says I failed to disclose information. What should I do?
Do insurance disputes always need to go to court?
How long can insurance litigation take in Taiwan?
Can an overseas or foreign client consult you in English?
A claim denial does not have to be the end of the analysis.
Send us the insurance policy, denial letter, and key documents. We can review the insurer's position and help you understand the legal strength, practical risks, and possible next steps before you decide whether further action is worthwhile.