In part one of this two-part article, the Knoxville construction attorneys at Cotney Construction Law discussed the types of claims that are typically covered by a contractor’s general liability insurance policy and discussed the widespread issue of insurers that refuse to distribute appropriate payouts for claims. Now, we will answer the central question of this article: what happens when insurance doesn’t pay?
Partner with an Attorney
At Cotney Construction Law, our Knoxville construction attorneys can review your existing or new insurance policy and provide knowledgeable insight about the claim in question. They can help detail whether or not you have a case, assist you in filing a claim against the insurer, and ensure that you meet the necessary deadlines for filing. Additionally, they can help you calculate the reimbursements you are due. During a deposition with an insurance provider, an attorney can assist you by outlining the details of the claim and explaining why the claim qualifies. Lastly, an attorney can help uphold your rights if a dispute arises and provide a steadfast defense to help you procure receive the payout you are due.
Take the Issue to Court
Sometimes, there’s no other option than to take your insurance provider to court. In other industries, general liability claims may be viewed as “frivolous,” but not in the construction industry. When something goes awry on your project site, you need to make sure that you’re taking the proper steps to protect yourself and your employees.
A Knoxville construction attorney who possesses knowledge of the construction industry and the implications of general liability insurance policies can help guide you through the process of proving that the claim made against you was covered by your policy. For instance, if an employee was injured on your project site and they sought a workers’ compensation claim, it should be covered by your policy. If, for some reason, your provider decided to refuse to pay for the claim, an attorney can help you prove your case in court. An attorney can help you avoid an unreasonably long legal battle with an insurance provider. They can also help bolster your case and improve your credibility if you engage in direct talks with an insurance agent.
Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.