Insurance Defense vs Insurance Coverage difference? Forum

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Volga9673

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Insurance Defense vs Insurance Coverage difference?

Post by Volga9673 » Wed Oct 13, 2021 5:05 pm

I know that the latter pays more and deals with more complex stuff - also that the latter deals with insurance policy itself and contract dispute thereof, whereas the former focuses on pure torts.

But these are very shallow analyses. Does anyone have in-depth (or medium-depth lol) knowledge of both areas?

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Re: Insurance Defense vs Insurance Coverage difference?

Post by Anonymous User » Thu Oct 14, 2021 1:08 am

Insurance coverage and insurance litigation is when you represent the insurer, e.g., because an insured says something is covered under the policy and your client says it isn't so the insured sues. Insurance defense means the client's insured did something (e.g., ran a red light) that injured someone else (e.g., hit someone's car after running redlight), and so that insured needs a defense lawyer and the client's insurance contract with the insured says it'll provide the defense. Insurance defense work is miserable because insurance companies have so many of these fucking cases and they know they can shop them around to get a great bulk rate. Insurance coverage will also be somewhat commodity work, and will have lower rates than other work, but insurance companies are also more willing to open the pocket book when their asses are on the line.

hangtime813

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Re: Insurance Defense vs Insurance Coverage difference?

Post by hangtime813 » Thu Oct 14, 2021 10:20 am

Anonymous User wrote:
Thu Oct 14, 2021 1:08 am
Insurance coverage and insurance litigation is when you represent the insurer, e.g., because an insured says something is covered under the policy and your client says it isn't so the insured sues. Insurance defense means the client's insured did something (e.g., ran a red light) that injured someone else (e.g., hit someone's car after running redlight), and so that insured needs a defense lawyer and the client's insurance contract with the insured says it'll provide the defense. Insurance defense work is miserable because insurance companies have so many of these fucking cases and they know they can shop them around to get a great bulk rate. Insurance coverage will also be somewhat commodity work, and will have lower rates than other work, but insurance companies are also more willing to open the pocket book when their asses are on the line.
+1 to this. Insurance coverage is sometimes referred to as "coverage counsel" and can actually be pretty complicated from what I heard second hand.

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