San Francisco, California, Insurance Law Attorneys

Legal Counsel to Help You Understand Your Insurance Policy

Insurance is complex. Buyers of insurance policies usually have to rely on the representations made by an insurance agent as they try to understand the policy they have purchased. Yet when the time comes to make a claim, the policyholder may still not fully understand what is and is not covered, or the full repercussions of items found in the details of the insurance policy.

The insurance law attorneys at Pillsbury & Levinson, LLP, provide legal counsel to individual and business insurance policyholders who have questions about their policies. In some instances, our coverage review will uncover that you have been treated unfairly by your insurance company. In such cases, our firm can handle your insurance claim litigation.

What Policy Is Right for You?

While an insurance broker is usually the first and best source of information about insurance policies available to you for your specific needs, there are times when a client would like coverage advice as well. Perhaps you are considering a change in your insurance policy and you wonder what conditions you should be seeking in a new policy. Perhaps you have a concern about how specific policy conditions may affect your business. We can help advise you on these issues.

Understanding Your Policy

Not every policy dispute or claim denial is the result of bad faith conduct by an insurer. If you have had a problem with an insurance policy, we can help you understand how the problem occurred and possible solutions.

• Is something important missing from your homeowner's or general liability policy?
• Did you purchase the wrong type of policy?
• Did the insurance agent fail to get you adequate coverage? If insurance broker or agent negligence was involved, we can help you address this, too.
• Did you receive a "reservation of rights" letter in which your insurance company told you it reserves the right to settle a claim in the manner it sees fit or stop paying your defense fees when it so chooses? Understanding what a reservation of rights letter means is critical. Should you respond to the reservation of rights letter?
• Did your insurance company tell you it has rescinded (canceled) or intends to rescind (cancel) your policy? Can it do that?

We have considerable expertise in understanding insurance coverage matters of all kinds. We look carefully at the problem our clients are experiencing; we review the policy terms, decide on a course of action with our clients, and then negotiate with the insurance company.

Our goal — whether we are providing legal counsel or engaging in litigation — is to provide you with answers, to get you reimbursed, or to resolve your claim in a manner that alleviates the pressure on you, the insured.

Sound Legal Counsel

To discuss your homeowners insurance, fire claim, life insurance, health insurance or disability insurance policy, contact an experienced lawyer at Pillsbury & Levinson, LLP. From our law offices in San Francisco, we represent clients throughout California and across the nation.