Home Blog Insurance Lawyer: Who Are They? What Do They Do?

Insurance Lawyer: Who Are They? What Do They Do?

Jump to Section

Insurance lawyers are individuals who protect their clients’ rights over the course of an insurance claim. There are many unsavory insurers and claimants, which means hiring an insurance lawyer is critical to anyone navigating the claims process.

They also handle several aspects of an insurance claim. From accident or damage reconstruction to negotiations, an insurance lawyer will ensure that their clients do not pay more or receive less than what they deserve.

What is an insurance lawyer?

An insurance lawyer practices insurance law. They provide legal advice when clients have legal questions related to an insurance claim. Insurance lawyers can also negotiate insurance settlements or litigate bad faith cases in court.

Types of claims that insurance lawyers handle include:

  • Property damage claims
  • Car accident cases
  • Health insurance benefits
  • Disability cases
  • Business liability claims
  • And more

By hiring an insurance lawyer, he or she will review the facts of your case and devise a strategy that meets your claim goals. It can be reassuring to know that someone is on your side if you decide to hire an insurance lawyer.

They generally do not take an insurance lawyer salary. Instead, they get paid on contingency fees by a percentage if they win your case.

Who needs an insurance lawyer?

You need an insurance lawyer when you need legal advice about an insurance claim. Insurance companies may offer you less than what you deserve.

While every case is unique, you may need an insurance lawyer when:

  1. Suing an insurer for insurance contract related issues
  2. Identifying a fair settlement amount in a personal injury case
  3. Forcing compliance against insurance companies in civil court
  4. Establishing if your claim was denied in bad or good faith

Receiving adequate insurance coverage is not always a straightforward process. These cases are complicated. An insurance lawyer will help you make sense of your legal options and risks when making decisions.

Meet some lawyers on our platform

Faryal A.

432 projects on CC
CC verified
View Profile

Steven S.

84 projects on CC
CC verified
View Profile

Lori B.

271 projects on CC
CC verified
View Profile

Heather B.

164 projects on CC
CC verified
View Profile

What is an insurance claim?

Insurance claims are formal requests for payments under your policy. These claims will help you make repairs, receive health care, or replace personal property. An insurance claim is subject to state, federal, and local laws.

After filing a claim, you will receive approval or denial. If approved, your insurer will send you the agreed-upon amount of money. If denied, you can either accept the insurance company’s decision or fight their decision with an insurance lawyer.

Here is an article about what an insurance claim is .

Types of insurance claims

There are several types of insurance claims that you can file through your insurance companies, including home, health, car, disability, liability, and property and casualty insurers.

Home

Homeowner insurance claims are those filed by residential and commercial property owners when physical damage has occurred. Typically, insurance companies offer policies that cover property owners for fires, flooding, storm damage, and more.

Health

Health insurance claims are payment requests made to insurance companies for medical services rendered. The insurance company may allege it does not cover a specific type of treatment. Always read your policy terms and conditions for details about your coverage with medical insurance lawyers by searching for “health insurance lawyers near me.”

Car

Car insurance claims are those related to motor vehicle damage. Auto insurance laws vary on a case-by-case basis, which means you should seek guidance from auto insurance lawyers.

Some states require you to file the claim through your insurer or, if another driver was at-fault, against their policy. By searching Google for “car insurance lawyers near me” or “car insurance lawyers near me”, it will offer you a good start on the vetting process.

Disability

Disability insurance claims pay benefits to approved beneficiaries who are no longer able to work and earn a living. This cessation of work is typically caused by short- or long-term disability.

Liability

General liability insurance claims protect business owners from third-party litigation actions. These types of claims can include bodily harm, advertising claims, copyright infringement, and property damage. Business owners don’t need to have liability insurance policies, but they insulate the business from financial exposure.

Property and Casualty

Property and casualty, also called P&C, insurance claims also protect you and the various property types you own. It is an umbrella term for liability and property damage coverage.

Types of P&C policies may include:

  • Property damage insurance
  • Motor vehicle insurance
  • Condominium insurance
  • Property manager insurance
  • Renters’ insurance
  • And more

There are always coverage limits that will apply to policies. As such, it is critical to review the language policy with an insurance lawyer if you have legal questions.

ContractsCounsel Insurance Image

Image via Pexels by Andrea

How do I file an insurance claim?

There are numerous critical steps to take when filing an insurance claim. For more severe damage cases, you could speak with an insurance lawyer to help you file a claim before a problem arises. However, it may not be necessary until you feel that the offer you received is too low.

Take these steps to file an insurance claim:

  • Step 1: Take all necessary precautions to prevent further damage or injury from occurring.
  • Step 2: Review the conditions and terms of your policy to determine that you have coverage.
  • Step 3: Maintain a file folder of your claim documents, including evidence of your losses.
  • Step 4: Contact the insurance company to file your claim within your state laws and insurance policy’s deadlines. Do not make self-incriminating statements.
  • Step 5: Receive a decision from the insurance company. If your claim is denied, take detailed notes and make copies of the denial of the claim.
  • Steps 6: Speak with an insurance lawyer if you receive a denial and do not believe it is fair.

Every state enforces laws that protect consumers during the claims process. Since insurers have an unfair advantage, they must follow the rules explicitly. If they don’t, they may be on the receiving end of a civil court complaint filed by your insurance lawyer.

Here is another article about understanding insurance claims .

What does an insurance lawyer do?

Insurance lawyers can work on behalf of insurance companies or consumers. Both types of representation are vastly different. However, they are still handling many of the same essential strategies.

An insurance lawyer performs the following activities

  • Collect and review the facts of the case
  • Identify at-fault parties and hold them accountable
  • Determine the fair value of an insurance claim
  • Research specific federal, state, and local laws
  • Handle negotiations and communications on behalf of the client
  • Represent the clients’ case in civil court if necessary
  • Provide ongoing legal advice to clients
  • And more

An insurance lawyer is the only professional that can provide advice or opinion regarding legal decisions. Try vetting different lawyers by searching “insurance lawyers near me” or “insurance claim attorney near me.”

Should you get a lawyer for your insurance claim?

You should get a lawyer for your insurance claim if you believe that the insurance company did not pay you what you deserve or acted illegally in some way. Insurers must follow specific laws.

The most practical way to determine if you should get a lawyer for your insurance claim is by asking one directly. If an insurance lawyer can an add value to your case, he or she will let you know.

Here is an article about hiring a lawyer for an insurance claim .

Need an insurance lawyer?

Do you need an insurance lawyer? Post your project to ContractsCounsel today at no-upfront cost.


ContractsCounsel is not a law firm, and this post should not be considered and does not contain legal advice. To ensure the information and advice in this post are correct, sufficient, and appropriate for your situation, please consult a licensed attorney. Also, using or accessing ContractsCounsel's site does not create an attorney-client relationship between you and ContractsCounsel.


How ContractsCounsel Works
Hiring a lawyer on ContractsCounsel is easy, transparent and affordable.
1. Post a Free Project
Complete our 4-step process to provide info on what you need done.
2. Get Bids to Review
Receive flat-fee bids from lawyers in our marketplace to compare.
3. Start Your Project
Securely pay to start working with the lawyer you select.

Meet some of our Lawyers

Neil B. on ContractsCounsel
View Neil
5.0 (6)
Member Since:
September 2, 2025

Neil B.

General Counsel, Chief Compliance Officer, Chief Operating Officer, Corporate Secretary, Managing Partner
Free Consultation
New York, NY, USA
41 Yrs Experience
Licensed in CT, NJ, NY
Quinnipiac School of Law

Professional Experience Neil Belloff is an accomplished business lawyer with over 35 years of business and legal experience, including as Board Member, General Counsel, Chief Compliance Officer, Chief Operating Officer and Corporate Secretary. After law school, Neil joined a boutique law firm in New York City and practiced as a litigator and corporate securities lawyer. Soon thereafter, Neil became a Senior Attorney-Advisor in the Division of Corporation Finance at the U.S. Securities and Exchange Commission in Washington, D.C. responsible for reviewing 1933 Act and 1934 Act documents, coordinating projects with the EPA and DOL, overseeing bankruptcy, reorganization and work-outs, responding to Congressional inquiries, and providing assistance to other SEC divisions and the Department of Justice. Following his tenure with the government, Neil practiced with several NY-based law firms providing legal and business services to public and private enterprises focusing on securities, corporate, employment, IP, licensing, M&A, finance, governance, litigation, compliance and privacy matters. Neil became an in-house attorney in 2003 joining Deutsche Telekom, one of the largest telecommunications companies in the world, as Executive Vice President and US Securities and Corporate Counsel. He joined Celgene Corporation, a publicly listed global biopharmaceutical company, in 2010 and became General Counsel, Chief Compliance Officer and Corporate Secretary of Eloxx Pharmaceuticals, Inc. in 2018 (and Chief Operating Officer in 2020) and General Counsel, Chief Compliance Officer and Corporate Secretary of Acorda Therapeutics, Inc. in 2021. Neil went back to private practice in 2024. Neil has been lead counsel on dozens of IPOs (representing both issuers and underwriters) and multi-billion dollar M&A transactions. His practice includes licensing, structured finance, venture capital, risk assessment, corporate governance, legal and regulatory compliance, pharmaceutical development, and all aspects of corporate, securities, intellectual property, privacy and employment law. Education • J.D. - Quinnipiac University School of Law • LL.M. - Program in Securities Regulation at Georgetown University Law Center • M.A. - New York University • B.A. - Queens College of the City University of New York Admissions • New York, New Jersey, Connecticut • Southern District of New York • Eastern District of New York • District of Connecticut Publications • Frequent conference speaker (FEI, NACD, NIRI, ACC, PLI, MarcusEvans) • Co-authored chapter of NACD report on the Role of Directors in Strategic Planning, member of Blue Ribbon Commission of NACD • Authored various articles on securities, litigation and governance topics • Featured in Vanguard Law Magazine - https://www.vanguardlawmag.com/case-studies/neil-belloff-acorda-therapeutics/ Board Memberships • Former Board Member | Private computer network and software development company sold to NASDAQ listed company • Former Board Member | NASDAQ listed location-based entertainment company

Recent  ContractsCounsel Client  Review:
5.0

"Responsive & professional turnaround. Would work with Neil again in the future!"

Frank G. on ContractsCounsel
View Frank
5.0 (1)
Member Since:
September 11, 2025

Frank G.

Partner
Free Consultation
Boston Massachusetts
36 Yrs Experience
Licensed in CT, MA
University of Connecticut School of Law

Accomplished business and litigation counsel with experience managing a broad spectrum of legal matters on behalf of individuals as well as early-stage and established technology, software, service and medical device companies. Substantial experience in drafting commercial agreements as well as litigation and arbitration of complex business disputes as plaintiff’s and defendant’s counsel. Served as infantry officer (attaining rank of Major) in ground combat units for the United States Marine Corps and educated in Marine Corps management and tactics. Adept at taking complicated information and legal principles and presenting strategy to non-lawyers in a concise and easy-to-understand format.

Recent  ContractsCounsel Client  Review:
5.0

"Working with Frank is like going on a road trip with your best friend. You have more fun during the road trip than at your final destination. Frank told me a deadline and stayed with it, always being responsive to messages, with thick detail to reinforce his reasoning. When talking over the phone, Frank goes into great detail and paints the real picture of what to expect, in his experience, dealing with the court and judges. I would work with Frank again for future work."

Lynn C. on ContractsCounsel
View Lynn
5.0 (1)
Member Since:
September 30, 2025

Lynn C.

Founding Attorney
Free Consultation
Atlanta, GA
16 Yrs Experience
Licensed in GA
Emory University School of Law

I am a transactional attorney based in the Metro Atlanta, GA area, with a focus on real estate transactions, nonprofit, municipal law, corporate governance, and estate planning.

Recent  ContractsCounsel Client  Review:
5.0

"Lynn is very knowledgeable and resourceful, she was able to explain me the process in details and provide all necessary information. Highly recommend. thank you"

Scott M. on ContractsCounsel
View Scott
Member Since:
September 8, 2025

Scott M.

Attorney
Free Consultation
Dallas, TX
13 Yrs Experience
Licensed in NY, TX
Syracuse University

Real Estate, Finance, and Business Attorney in the Dallas area, specializing in multifamily, hotel, public improvement districts, business law, and all types of real estate matters. I can also assist with uncontested divorces.

Paula C. on ContractsCounsel
View Paula
Member Since:
September 15, 2025

Paula C.

Managing Partner
Free Consultation
Andover, MA
29 Yrs Experience
Licensed in MA
Massachusetts School of Law at Andover

DACC Law is a general practice client-centered law firm. I am a Partner in DACC and have been proudly serving clients across Massachusetts since 1997. With over 25 years of legal experience I have a built a reputation for trust, results-driven advocacy across a wide range of practice areas including contract law, personal injury, estate planning, workplace issues, and real estate. At the heart of my practice is a client-centered approach -- one that values clear communication, responsive service, and practical legal solutions tailored to each individual's needs. Whether helping a family protect their future through thoughtful estate planning, representing someone injured due to negligence, or guiding clients through complex workplace or property matters, I bring deep legal knowledge and personal attention to every case. If you're looking for a seasoned Massachusetts attorney who combines experience with empathy, and strategic insight with strong advocacy, I am here to help.

George M. on ContractsCounsel
View George
Member Since:
September 18, 2025

George M.

Managing Partner
Free Consultation
Chicago, Illinois
1 Yr Experience
Licensed in IL
John Marshall Law School

I am a corporate lawyer with extensive experience assisting clients of all sizes, from solo practitioners to enterprise-level international corporations. Over the course of my career, I have negotiated, drafted, and reviewed thousands of contracts spanning a wide range of industries and complexities. My practice is focused on delivering practical, business-oriented legal solutions that help clients protect their interests and achieve their goals.

Anna V. on ContractsCounsel
View Anna
Member Since:
September 19, 2025

Anna V.

Attorney
Free Consultation
Sacramento
5 Yrs Experience
Licensed in CA
UC Berkeley

Multilingual California Attorney with experience in Immigration, Real Estate, Contracts.

Rosanne M. on ContractsCounsel
View Rosanne
Member Since:
September 22, 2025

Rosanne M.

Attorney
Free Consultation
Carlsbad, California
10 Yrs Experience
Licensed in CA
Santa Clara Law

Rosanne (Rosie) Brady Muschenheim is an experienced estate planning attorney practicing law exclusively in trusts, estates, business, and tax law. She studied advanced tax law by taking several courses through Boston University's LLM program. She served as the Western Region Estate Planning Consultant for Bessemer Trust Company in addition to running her own law firm. Rosie spent several years working in Silicon Valley at a prestigious law firm serving ultra high net worth clients, including Founders, Directors, and Officers at companies such as Google, Netflix, Juniper Networks, Tesla, DocuSign, Looker, Nvidia, Xilinx, and Fortinet. Rosie spent time practicing in Honolulu, Hawaii serving ultra high net worth clients, including descendants of Hawaiian royalty. While in Orange County, Rosie assisted many high net worth clients of notable fame in the entertainment industry and the manufacturing industry. Rosie started her own law firm to provide a more customized and personal service to clients than what is offered through larger law firms. Trust is essential to building client relationships, and with her own law firm Rosie is able to provide more attention and care to each client matter.

David A. on ContractsCounsel
View David
Member Since:
September 24, 2025

David A.

Managing Partner
Free Consultation
Los Angeles
33 Yrs Experience
Licensed in CA, TX
Dedman School of Law- Southern Methodist University

David M. Abner is a practicing attorney with over 30 years of experience representing clients ranging from startups to Fortune 500 companies in California and Texas. Mr. Abner is currently based in Los Angeles, California, and his practice focuses on negotiating the purchase and sale of businesses; negotiating equity and debt financing agreements; drafting and negotiating revisions to a variety of commercial agreements; and investigating and responding to law enforcement and regulatory compliance investigations. Additionally, Mr. Abner has considerable experience dealing with litigation involving ownership and valuation of privately held companies. He has tried nearly a dozen cases in private practice, including cases involving breach of contract, products liability, fraud, and officer and director liability. As in-house counsel for Ashland Inc., Mr. Abner worked with business leaders daily to assess, manage and prevent a variety of legal risks that threatened the viability and profitability of products, services and customer relationships. His efforts produced results that included settling a $700M anti-trust class action lawsuit for less than $7M; assisting in closing the sale of the company’s joint venture interests in an oil and gas subsidiary; assessing and quantifying the liabilities associated with the acquisition of other businesses; and supervising Ashland’s responses to DOJ, FBI and EPA investigations. Mr. Abner has been licensed to practice law in Texas since 1993, and in California since 2012. Mr. Abner obtained his Juris Doctorate from the Dedman School of Law at Southern Methodist University in 1993, and a Bachelor of Arts degree from the University of South Carolina in 1990.

Katherine B. on ContractsCounsel
View Katherine
Member Since:
October 8, 2025

Katherine B.

Principal Attorney & Founder, Phoenix Law PLLC
Free Consultation
Greater Seattle Area, WA
19 Yrs Experience
Licensed in WA
Gonzaga University School of Law

Attorney and former in-house counsel with 15+ years of leadership and project management experience in corporate & business law, risk management, compliance, strategy, and regulatory oversight in the private and federal sectors. Primary areas of practice are corporate governance & business law, compliance & financial services regulation, transformation & change management, regulatory response & remediations, consumer regulation & employment law, and conduct / ethics & investigations at regional, large and complex corporations. My experience includes banking, payment & ecommerce regulations, trade & product law, consumer regulations, employment & labor law, contracts and privacy laws. I have extensive experience advising firms on consumer protection and regulatory law, and I have specialized experience with firms engaging in large-scale transformations and remediations. I am admitted to the Washington State Bar Association and licensed to practice law, I am a Federal Reserve System commissioned Examiner, and I am a Certified Regulatory Compliance Manager (CRCM). At Phoenix Law PLLC, I advise individual clients and provide legal and regulatory guidance, corporate counsel services, as well as strategic consulting services to businesses. I leverage my unique experience and skillset to provide innovative solutions and achieve favorable results, with the goal of empowering clients to move successfully forward. www.phoenixlawpllc.com kbrandt@phoenixlawpllc.com

Sean D. on ContractsCounsel
View Sean
Member Since:
October 8, 2025

Sean D.

Founding Partner
Free Consultation
Washington DC
16 Yrs Experience
Licensed in CA, DC, MA
Georgetown University Law School

After 15+ years at leading firms in Silicon Valley, Boston, and DC, I started Supernova Law to partner with the clients who inspire me most—start-ups, mission-driven companies, B-Corps, and non-profits. My goal is simple: provide accessible, affordable, high-quality legal support to innovators creating positive change for our society. At Supernova Law, your vision and values come first.

Find the best lawyer for your project

Browse Lawyers Now

Quick, user friendly and one of the better ways I've come across to get ahold of lawyers willing to take new clients.

View Trustpilot Review

Need help with a legal contract?

Post Your Project

Get Free Bids to Compare

Hire Your Lawyer

CONTRACT LAWYERS BY TOP CITIES
See All Insurance Lawyers

Contracts Counsel was incredibly helpful and easy to use. I submitted a project for a lawyer's help within a day I had received over 6 proposals from qualified lawyers. I submitted a bid that works best for my business and we went forward with the project.

View Trustpilot Review

I never knew how difficult it was to obtain representation or a lawyer, and ContractsCounsel was EXACTLY the type of service I was hoping for when I was in a pinch. Working with their service was efficient, effective and made me feel in control. Thank you so much and should I ever need attorney services down the road, I'll certainly be a repeat customer.

View Trustpilot Review

I got 5 bids within 24h of posting my project. I choose the person who provided the most detailed and relevant intro letter, highlighting their experience relevant to my project. I am very satisfied with the outcome and quality of the two agreements that were produced, they actually far exceed my expectations.

View Trustpilot Review

How It Works

Post Your Project

Get Free Bids to Compare

Hire Your Lawyer

Want to speak to someone?

Get in touch below and we will schedule a time to connect!

Request a call

Find lawyers and attorneys by city