Michael Smith has been practicing law and advocating for his clients for more than 15 years. After graduating law school, he clerked for two State Supreme Court Justices, on the... more
Michael Smith has been practicing law and advocating for his clients for more than 15 years. After graduating law school, he clerked for two State Supreme Court Justices, on the Kentucky Supreme Court - gaining valuable training and understanding of the judicial decision process. Because of his past experience working with insurance companies, Michael understands what issues and arguments are ... view profile
Insurance law covers the policies insurance companies offer and the rates they charge. Personal insurance standards include auto insurance, health insurance, homeowners insurance, life insurance, and disability insurance. Business insurance standards usually include commercial liability insurance, errors and omissions insurance, malpractice insurance, and business interruption insurance. Each of these policies covers losses from different types of risk, and both the losses and the risks are carefully defined. It can take an insurance lawyer just to determine if your loss resulted from a risk you were insured for. Sometimes insurance companies deny claims, acting in what is legally called “bad faith.” Insurance lawyers can determine if your insurer is treating you fairly and sue for you if the company is acting in bad faith.