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Rights of Counsel

You can always hire an attorney to protect your interest

You always preserve the rights of counsel. This means that you are always entitled to hire an attorney to protect your interest.

When your insurance company is defending you, and they hire an attorney to protect you, you can hire another attorney to make sure your interests are fully protected.

If you find yourself in court defending a lawsuit, the insurance company will provide for your defense, however they will select the attorney.

This makes many people uncomfortable because if the insurance company is paying for the attorney, who really is their client?

When people are wary on this type of situation, they decide to hire separate counsel and have the two attorneys provide a defense.

You must remember that the attorney, although selected and paid by the carrier, works for you.

This means that their primary duty is to you, and they are required to put your interest first before that of the insurance carrier.

However, you and I know that if the insurance company is paying for the defense, they have a lot of control over the attorney!

Be aware of this situation. There are too many conflicts of interests. 

Click below for an explanation of insurance coverages and terms:

Coverages and Terms Overview

Automobile Liability Insurance or Liability Page 1
Automobile Liability Insurance or Liability Page 2

Automobile Medical Payments or Personal Injury Protection (PIP) Page 1
Automobile Medical Payments or Personal Injury Protection (PIP) Page 2

Collision Coverage (Protection Against Loss to the Auto) Page 1
Collision Coverage (Protection Against Loss to the Auto) Page 2

Comprehensive Coverage (Protection Against Loss to the Auto) Page 1
Comprehensive Coverage (Protection Against Loss to the Auto) Page 2

Under or Uninsured Motorist Property Damage (UMPD) Page 1
Under or Uninsured Motorist Property Damage (UMPD) Page 2

Under or Uninsured Motorist Bodily Injury (UMBI)

Rental Reimbursement or Loss of Use Coverage Page 1
Rental Reimbursement or Loss of Use Coverage Page 2

Restoration Coverage

Towing and/or Road Assistance Coverage (Emergency Packages)

Insurance Clauses and Terms

Overview
Actual Cash Value or ACV
Additional Insurance Clause
Cancellation of Coverage Clause
Choice of Law Clause
Forum Selection Clause

Duty to Cooperate Clause
Duty to Report Losses Clause
Financial Responsibility Clause
Insurable Interest Concept
Interpretation of the Policy Concept

Mandatory Arbitration Clause
Mitigation of Damages Clause
Non Duplication of Benefits Clause
Proof of Loss Clause
Promissory Estoppel Concept

Reservation of Rights Concept
Reasonable and Necessary Clause
Right of Appraisal Clause
Right of Settlement Clause
Rights of Counsel Concept

Subrogation of Rights Clause Part I
Subrogation of Rights Clause Part II
Statute of Limitations Concept
Replacement Cost Value
Restoration Coverage
Transfer of Benefits Clause

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