What types of claims can be made under insurance litigation law?
Insurance litigation law governs how insurers and policyholders handle disputes. In New Hampshire, insurance litigation law applies to all types of insurance policies, including life, health, home, auto, and business. Under these laws, claims can arise when an insurer fails to provide coverage for a claim or denies coverage, or when the terms or conditions of a policy are contested. In New Hampshire, claims that arise out of insurance litigation law include breach of contract, bad faith claims, unfair claim settlement practices, fraud, misrepresentation, and failure to pay a claim on time. A breach of contract claim arises when an insurer fails to provide the coverage promised to the policyholder. A bad faith claim arises when an insurer denies coverage without proper cause. An unfair claim settlement practice claim arises when an insurer refuses to provide fair compensation or refuses to process a claim without good reason. Fraud claims typically occur when an insurer misrepresented the terms or conditions of a policy, or when the insurer engaged in deceptive practices. This includes making false statements or omissions in order to induce a policyholder to accept certain terms of coverage. Misrepresentation claims arise when an insurer knowingly or recklessly provides incorrect information about the policy or its coverage. Lastly, failure to pay a claim on time is an actionable claim when an insurer fails to provide timely payment for a claim.
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