What are the types of defenses in an insurance claim?

In Washington, an insurance claim is an action taken when someone believes an insurance company has not fulfilled its contractual obligations. There are several defense strategies an insurance company may use in response to an insurance claim. First is the “non-liability” defense. This defense is used when the insurance company claims that the insured person is not liable for any losses the insurance company must cover. The insurance company must prove this defense. Second is the “denial of coverage” defense. This defense is used when the insurance company denies coverage for any losses the insured person seeks to have the insurance company cover. The insurance company must prove that the policy does not cover the losses the insured person is seeking. Third is the “waiver of coverage” defense. This defense is used when the insurance company claims that the insured person agreed to waive or give up coverage for certain losses. The insurance company must prove that the insured person waived the coverage for losses the insured person is seeking. Fourth is the “failure to provide notice” defense. This defense is used when the insurance company claims that the insured person did not provide proper notice of the claim or losses. The insurance company must prove that proper notice was not given. Finally, there is the “unreasonable delay” defense. This defense is used when the insurance company claims that the insured person did not initiate the claim and request coverage in a timely manner. The insurance company must prove that the insured person unreasonably delayed in requesting coverage. By understanding the different types of defenses in an insurance claim, insured persons in Washington can make more informed decisions before filing a claim with their insurance company.

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