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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.
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Insurance fraud can take several forms, but it occurs when someone falsely claims an injury (whether personal or financial) in an attempt to receive benefits.
Employment law governs employee pay, non-discrimination policies, employment classifications, and hiring and firing at the federal, state, and local levels.
If you suffer a personal injury as the result of the actions or negligence of another, you may seek financial compensation for physical or emotional damages.