What legal defenses are available in insurance law cases?

In Iowa, there are several legal defenses available in insurance law cases. These include lack of causation, waiver and estoppel, statute of limitations, waiver of subrogation, and assignment of benefits. Lack of causation is a legal defense used to argue that an injury or damage did not arise from the insured activity or event, and thus should not be covered by the insurance. Waiver and estoppel involve arguing that the insurance company has waived or accepted the risk of the insured activity or event by their actions or words. The statute of limitations is a legal defense which claims that the insured activity or event occurred too long ago to be covered by the insurance. Waiver of subrogation involves the insurance company waiving its right to pursue damages from a liable third-party for an insured activity or event. Finally, assignment of benefits is the process by which the insured transfers their rights to receive insurance benefits to another party. In summary, the legal defenses available in insurance law cases in Iowa include lack of causation, waiver and estoppel, statute of limitations, waiver of subrogation, and assignment of benefits. These defenses are important tools for insurance companies and individuals to protect their interests in a dispute.

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