Also known as: insurance claims
Written by attorneys · grounded in primary & secondary sources — see below
A formal request by an insured for payment or benefits from an insurer following a covered loss or event. The request triggers the insurer's duty to investigate the loss and determine coverage under the policy terms.
Isaac Irving suffered property damage and hired a nonlawyer adjuster to determine the extent of loss and negotiate with the insurer. The adjuster secured a settlement but later sued Irving for a contingent fee. The court refused to enforce the fee contract because the adjuster's activities amounted to the unauthorized practice of law.
Imani Idowu submitted an insurance claim after an auto accident. State Farm denied the claim despite clear policy coverage and later faced a jury verdict that included substantial punitive damages for its handling of the claim.
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Ian Iverson filed an insurance claim after a workplace injury. When the insurer delayed payment, Iverson argued the relationship resembled the special duties recognized in insurance bad-faith cases rather than ordinary contract disputes.
Iain Irons's liability policy faced competing insurance claims from several injured parties after a single accident. The insurer deposited the policy limits into court and sought interpleader to resolve the conflicting demands in one proceeding.
Iris Irons submitted an insurance claim for Holocaust-era losses under a California statute. Insurers challenged the statute as preempted by executive agreements between the United States and foreign governments that established exclusive remedies for such claims.
Ines Ibarra made an insurance claim after a defective product caused property damage. The insurer paid the claim and then pursued subrogation against the manufacturer, raising issues of defect proof and loss allocation under state products liability standards.
No. Statements made during compromise negotiations, including an adjuster's acknowledgment that policy language favors the insured, are excluded when offered to prove the validity or amount of a disputed claim.
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Yes, when offered for a purpose other than proving the validity or amount of the civil claim, such as showing an effort to obstruct justice or consciousness of guilt.
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No. An insurer may assert an equitable right of subrogation even without an express contract clause, although the policy may waive or limit that right.
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…Souter The National Government has made its own agreements with foreign governments regarding the resolution of Holocaust-era insurance claims. Most notably, the Government has entered into executive agreements with Germany and Austria. These agreements include pledges by the foreign governments to set up foundations to pay…