Circumstances that result in legal entanglements often involve insurance. Most people are aware that automobile policies cover liabilities associated with traffic accidents and homeownerâEUR(TM)s policies cover property losses. They may be less aware that many kinds of public, organizational and commercial disputes are covered by liability insurance that may provide resources not only to pay claims but also to engage a lawyer to defend against those claims. The availability of such benefits depends, however, on compliance with the actual terms of any applicable policies. Insurance policies are contracts, and their coverage is defined by the policiesâEUR(TM) terms and conditions. Policies define who is covered, the acts and period for which coverage exists, the maximum amount of coverage, the obligations of those covered by the insurance to give notice and to cooperate in defense of claims, and the parties' other rights and obligations. A Lafayette car accident lawyer will be able to help the client in many ways for claiming compensation from the insurance companies.

Coverage
When insurance coverage is available, policies typically require the insurer to defend against the claim and to pay for a lawyer if one is necessary. Policies typically authorize the insurance company to select the lawyer when a defense is provided. Policies may also give the insurer the option of paying the claim, or settling it, rather than defending against it. Insurance policies also usually give the insurer the right to negotiate directly with someone suing the insured for a covered claim, and the right to settle the claim. Typical policies prohibit an insured from admitting liability or settling a claim without the insurance company's prior agreement. Doing so could be a basis for denying coverage.

When Lafayette car accident lawyerr involved with insurance coverage, the insured person or organization should be clear about whom the lawyer represents. Insurers sometimes engage lawyers to represent their own interests, such as when there is likely to be a dispute about the policyâEUR(TM)s coverage. In that case the insured should not expect the lawyer also to represent the insuredâEUR(TM)s interest or to keep shared information secret. When the lawyer has been engaged to represent the insured, however, the lawyerâEUR(TM)s primary loyalty is to the insured as the client, even though deemed to pledge that their court-filed arguments are not frivolous or merely intended to harass a party or increase litigation costs. LawyersâEUR(TM) professional obligations also restrict their communications with others. A lawyer may not communicate directly with someone whom the lawyer knows to be represented by another lawyer in the matter, unless the other lawyer gives consent or a court order authorizes the communication. There is no rule prohibiting parties from communicating directly with each other, although of course a party may choose not to do so.