Multiple Insurers on the Risk

Insurance Coverage Problems Involving More Than One Insurer

In many situations, several insurance companies will have an interest in the control or outcome of civil litigation related to covered claims. While the availability of multiple insurance policies can serve as an advantage in settling a claim or covering the full amount of the damages proved, the involvement of several insurance companies can also complicate the litigation and create new problems for the insured.

Sound Counsel for Insurance Disputes in Orange County and Southern California

If you're receiving mixed results in dealing with several insurance companies on the same risk, contact Callahan & Blaine in Santa Ana for the advice of attorneys with a thorough understanding of the legal and strategic considerations that can affect your outcome. We have a nationwide reputation for excellence in complex civil litigation, and our ability to resolve difficult insurance coverage problems represents a hallmark of our practice.

Here are some of the main problems to avoid when multiple insurers are on your risk:

  • Inconsistent or contradictory decisions with respect to coverage
  • Disputes as to whether one insurer's payout reduces another insurer's liability
  • Adverse decisions by excess insurers after the primary insurer has accepted coverage
  • Conflicting decisions among the insurers concerning control of the litigation or settlement tactics
  • Attempts by one insurer to recover its payment to you from other insurers, thereby reducing the total value of your coverage

At Callahan & Blaine, our objective is to help our business and individual litigation clients realize the full value of all available insurance coverage, not only as to claims and liability, but also with regard to the scope of the duty of defense, control of the litigation, and reimbursement for expenses incurred prior to acceptance of the claim.

Our experience with multiparty insurance disputes can benefit clients with first-party casualty claims as well as those defending third-party liability claims. To find out more about our understanding of complex insurance coverage litigation, contact a lawyer at Callahan & Blaine in Santa Ana.