What are the common defenses used by insurers in an insurance litigation case?

In Hawaii, insurers often use several common defenses in insurance litigation cases. These include causation, statute of limitations, and failure to meet insured qualifications. First, causation is a defense that insurers can use to argue that they are not legally liable for the damages incurred. This means that they can argue that the damages were not directly caused by their actions. Second, insurers may also use the statute of limitations defense, which states that claims must be made within a certain period of time, normally between two and four years. If a claim is made after this time has passed, then the insurer can argue the claim is no longer valid. Finally, insurers can argue that the insured does not meet the qualifications listed in the insurance policy. This could mean that the insured did not pay premiums, or that the policy does not cover the damages incurred. These are some of the most common defenses used by insurers in insurance litigation cases in Hawaii. Knowing these defenses is important for claimants so that they can properly plan and prepare their claims against insurance companies. It is important to remember, however, that insurers may also use other defenses not listed here.

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What are the common defenses used by insurers in an insurance litigation case?

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