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

Edward B.

73 projects on CC
CC verified
View Profile

Ryenne S.

952 projects on CC
CC verified
View Profile

Faryal A.

376 projects on CC
CC verified
View Profile

Heather B.

54 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

Alton H. on ContractsCounsel
View Alton
5.0 (19)
Member Since:
January 12, 2026

Alton H.

Attorney
Free Consultation
Washington, DC
12 Yrs Experience
Licensed in DC, NJ, NY
The George Washington University Law School

I am a U.S.-licensed attorney with more than a decade of experience in complex litigation and intellectual property matters. I have practiced at leading Am Law firms including Pillsbury Winthrop Shaw Pittman, Arent Fox, and Sughrue Mion, and I currently operate my own law practice. I have extensive experience handling high-stakes patent litigation, drafting pleadings and briefs, managing large-scale discovery, preparing and defending depositions, and appearing before federal courts and administrative bodies such as the PTAB and ITC. I hold a J.D., cum laude, from The George Washington University Law School and advanced technical degrees in chemistry and chemical engineering, which allow me to efficiently handle technically complex matters. I am admitted in multiple jurisdictions, including New York, Virginia, New Jersey, and the District of Columbia, and I regularly provide high-quality remote legal support to clients nationwide.

Recent  ContractsCounsel Client  Review:
5.0

"Alton reviewed and finalized two complex agreements for us: an Independent Contractor Agreement and a Phantom Equity Agreement with Section 409A compliance, cross-border considerations, and layered compensation. We came in with detailed drafts and a review package, and he worked through every item methodically. He identified the right issues, asked the right questions, and delivered clean execution-ready documents on time. Highly recommend for anyone with executive-level contractor or equity compensation work."

Anna C. on ContractsCounsel
View Anna
5.0 (28)
Member Since:
February 11, 2026

Anna C.

Business Lawyer
Free Consultation
Austin, TX
30 Yrs Experience
Licensed in IN, TX
Indiana University

I am a business attorney focused on practical, efficient contract drafting, review, and negotiation for healthcare organizations and growth-stage and established businesses. My work includes commercial agreements such as NDAs, MSAs/SOWs, leases, vendor and services agreements, SaaS, and employment and severance agreements. I partner closely with clients to identify key legal and business risks, deliver clear, business-minded redlines with concise issue summaries, and keep transactions moving. Clients value my responsive turnaround, judgment, and ability to balance risk with commercial objectives.

Recent  ContractsCounsel Client  Review:
5.0

"Anna is always very responsive and on top of her projects. I have used her twice and will utilize her for future support."

Valerie I. on ContractsCounsel
View Valerie
5.0 (2)
Member Since:
February 24, 2026

Valerie I.

Corporate Attorney
Free Consultation
Coral Gables
5 Yrs Experience
Licensed in FL
St. Thomas College of Law

Corporate business attorney in the Miami area specializing in corporate formation and governance, contract drafting and review, employment matters, corporate practice of medicine, intellectual property protection, and other general counsel assistance.

Recent  ContractsCounsel Client  Review:
5.0

"Valerie went above and beyond to create our C&D. She was very responsive and took the time to explain everything and answer all my questions. Highly recommend!!"

Kevin F. on ContractsCounsel
View Kevin
Member Since:
December 9, 2025

Kevin F.

Business Attorney
Free Consultation
Chicago, IL
13 Yrs Experience
Licensed in IL
Northern Illinois University College of Law

Hi, I’m Kevin Flaherty, an Illinois-licensed attorney with extensive experience negotiating and drafting complex commercial agreements for engineering firms, technology companies, public agencies, and small-to-mid-sized businesses. Over the course of my career, I’ve: Led negotiations on domestic and international contracts, including engineering services agreements, EPC arrangements, SaaS licensing, MSAs, purchase/supply agreements, NDAs, and other mission-critical commercial documents. Developed risk-allocation strategies around indemnities, liability limits, flow-downs, multi-party contracting structures, and high-stakes project frameworks. Built contract playbooks, drafting standards, review matrices, and workflows designed to help clients understand their risks clearly and move deals forward with confidence. Provided training and guidance to internal teams and leadership on contract strategy, compliance considerations, and best practices. I bring not only legal expertise, but also a practical, problem-solving mindset—translating dense legal terms into actionable business decisions and helping clients protect their interests without losing momentum.

Elissa L. on ContractsCounsel
View Elissa
Member Since:
December 29, 2025

Elissa L.

Managing Attorney
Greater Houston Area
23 Yrs Experience
Licensed in TX
New England School of Law

I am a corporate and healthcare attorney with 20+ years of experience providing contract review, contract drafting, and regulatory compliance support to healthcare organizations, SaaS companies, and small to mid-sized businesses. I currently serve as Managing Attorney at my own firm, advising clients on commercial contracts, healthcare compliance, corporate governance, and risk management. I routinely draft, review, and negotiate MSAs, NDAs, BAAs, provider agreements, SaaS agreements, consulting agreements, independent contractor agreements, and confidentiality agreements. My experience includes serving as sole in-house counsel, supporting executive leadership, and leading HIPAA, FDCPA, CMS, Anti-Kickback Statute, and False Claims Act compliance initiatives. I bring a practical, business-focused approach to legal services with deep experience in healthcare operations, revenue cycle management, privacy, information security, and regulatory strategy. I am licensed in Texas and hold a Juris Doctor (JD), Master of Healthcare Administration (MHA), and a graduate certificate in Health & Hospital Law.

Aury L. on ContractsCounsel
View Aury
Member Since:
January 12, 2026

Aury L.

Business Lawyer
Free Consultation
New York, NY
13 Yrs Experience
Licensed in NY
University of Tulsa

I am an experienced U.S. attorney focused on contract drafting, review, and transactional legal support for businesses and individuals. My practice emphasizes clear, practical, and risk-focused legal guidance across commercial agreements, corporate matters, and regulatory compliance. I work efficiently in remote, document-based engagements and prioritize responsiveness, precision, and business-oriented solutions. Clients value my ability to translate complex legal issues into actionable advice and well-structured agreements that support their objectives while minimizing risk.

John P. on ContractsCounsel
View John
Member Since:
January 21, 2026

John P.

Managing and Operating Partner
Free Consultation
Waltham, Massachusetts
14 Yrs Experience
Licensed in MA, NH
New England School of Law

specializes in corporate governance, data privacy, intellectual property, and employment law. A former VP of Legal & Compliance and interim CFO, he has led legal operations across fundraising, acquisitions, and data privacy initiatives.

Kevin G. on ContractsCounsel
View Kevin
Member Since:
January 22, 2026

Kevin G.

Attorney
Free Consultation
San Francisco Bay Area
38 Yrs Experience
Licensed in CA
UCLA School of Law

For more than three decades, Kevin M. Gross has served as a trusted legal advisor to senior management and executive teams providing guidance on global compliance issues (anti-corruption, trade regulation, AML/KYC, privacy, and conflicts of interest), strategic concerns, due diligence, and risk mitigation strategies. In 2020, he founded C&R Consulting Group LLC to provide practical, cost-effective compliance and risk services to small and medium sized businesses. Prior to starting his own consulting firm, Kevin worked at Penumbra, Inc., a global healthcare company that manufactures and sells medical devices to healthcare providers, hospitals and clinics in more than 100 countries. At Penumbra, Kevin was the primary legal advisor to the company’s international sales and marketing executives. In addition, as Penumbra’s principal compliance lawyer, he conducted risk assessments and provided guidance and solutions to Penumbra’s internal compliance team. He oversaw due diligence on Penumbra’s international distributors, regulatory and sales agents, and other commercial partners. Prior to joining Penumbra, Kevin spent 15 years inside Chevron’s legal, compliance and upstream law departments, where he advised senior management on the company’s compliance and risk programs. Kevin overhauled Chevron’s hotline and investigations programs, strengthened internal controls and compliance procedures, and developed best practices and training for compliance personnel and investigators. Kevin also managed and conducted dozens of sensitive, high-profile investigations across six continents (internal and external), including FCPA, cybersecurity threats, and high-value theft and procurement frauds. Kevin directed outside counsel responses to SEC and DOJ inquiries, which were terminated without further action. He developed and conducted FCPA and compliance training for leadership teams and others across the enterprise. Prior to his tenure at Chevron, Kevin spent a decade as a senior enforcement attorney at the US Securities and Exchange Commission Division of Enforcement. At the SEC, he investigated and prosecuted cases involving securities fraud, insider trading, accounting fraud, options backdating, Ponzi schemes, and FCPA violations. Kevin filed and litigated SEC administrative and federal court actions against companies and individuals accused of violating federal securities laws. Early in his career, Kevin was a commercial litigator at Faegre Drinker LLP, an AmLaw 100 firm where he oversaw the investigation and resolution of insurance coverage disputes and other commercial litigation matters. In this role, Kevin took and defended hundreds of depositions, argued dozens of motions, and brought several cases to jury trials in US district courts. Kevin has received numerous accolades from clients and industry leaders, and is a frequent speaker at ACC, ACI, BECA, Consero and other conferences.

Neil R. on ContractsCounsel
View Neil
Member Since:
January 29, 2026

Neil R.

Partner/Shareholder
Free Consultation
Hood River, OR
39 Yrs Experience
Licensed in CA, OR, WA
University of Pennyslvania (JD)

Neil Rust is a transactional attorney with almost four decades of experience ranging across a broad range of fields, including M&A, finance, structured finance, VC and general corporate. Before moving to Oregon, Mr. Rust was a partner at the Los Angeles office of an international law for 26 years and the Century City office of a national law firm for 5 years. During his big firm tenure, Neil Rust gathered experience across multiple industries and enjoys counselling clients as much as drafting and negotiating.

Mike R. on ContractsCounsel
View Mike
Member Since:
February 11, 2026

Mike R.

Managing Attorney
Free Consultation
Houston, Texas
28 Yrs Experience
Licensed in TX
University of Wisconsin Law School

Rusco Law combines big-firm expertise with small-firm personal attention to give a limited set of clients unparalleled representation and service. We provide: • Complete litigation services, from pre-filing demands through Supreme Court appeals. Extensive experience in commercial, employment, tribal, and personal injury matters. • Sophisticated business counseling with an emphasis on start ups, including formation, risk management, internal governance, employment policy, regulatory advocacy, and trademark/trade secret/patent protection. • Detailed contract negotiation, review, and compliance monitoring, including major construction and service agreements. • Full-spectrum legal support for principals and their families, including passionate injury representation, including childcare and playground accidents.

Chase L. on ContractsCounsel
View Chase
Member Since:
February 12, 2026

Chase L.

Managing Partner
Free Consultation
Dallas, Texas
5 Yrs Experience
Licensed in TX
Pepperdine Caruso School of Law

Chase D. Lambert, Esq. is a distinguished commercial business litigation attorney with a profound academic background and extensive experience in both transactional and litigation legal realms. A graduate of Kansas State University, Chase holds a Dual Major in Entrepreneurship and Finance, accompanied by a Minor in Economics, reflecting a multifaceted understanding of business dynamics and economic principles. Continuing his academic journey, Chase pursued his legal education at Pepperdine Law, where he further honed his expertise with an emphasis in Entrepreneurship through the prestigious Palmer Institute for Entrepreneurship in the Law. This specialized training equipped him with a nuanced understanding of legal intricacies within entrepreneurial ventures, empowering him to offer comprehensive legal solutions tailored to the unique needs of business clients. Throughout his career, Chase has demonstrated an unwavering commitment to excellence and client satisfaction. With a diverse clientele spanning across various industries, he has successfully navigated complex legal landscapes, adeptly handling a myriad of transactional and litigation matters with precision and efficacy. With a strategic mindset and a passion for advocating on behalf of businesses, Chase is dedicated to delivering unparalleled legal representation characterized by diligence, integrity, and a results-driven approach. His legal acumen, coupled with his understanding of business dynamics, renders him a formidable asset for clients seeking proficient legal counsel in commercial litigation matters. Beyond his professional endeavors, Chase remains actively engaged in the legal community, continuously seeking opportunities to stay abreast of emerging trends and advancements in commercial law. Committed to excellence in every aspect of his practice, he remains poised to provide comprehensive legal guidance and steadfast advocacy to businesses navigating the complexities of the legal landscape

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