Christian & Small LLP
One Timber Way
Daphne, AL 36537
Michael A. Vercher
The proven Daphne insurance lawyers at Christian & Small LLP are experienced in the effective handling of insurance related lawsuits, as it pertains to Alabama insurance law.
The Daphne insurance attorneys have experience representing clients in insurance law matters involving:
The term "insurance" is a contractual agreement; most commonly refers to the instance of an insurance policy, which legally binds the insurer to cover the cost of all or any portion of damages suffered by the insured party as defined in the policy. In its essence, the purpose of insurance is to measure the risks of a potential loss from the insured party. The area of Alabama insurance law involves the Federal laws and state statutes regulating the business and commercial conduct of the insurance industry.
While types of insurance vary widely in Alabama, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual pays a "premium" into a pool, from which losses are paid out. The premium is not returnable if a loss is not suffered; in that case the payment is for 'peace of mind". Thus, when a loss is suffered, the loss is spread to the people contributing to the pool. To ensure these pools are properly managed and adequately funded, the government and the courts heavily regulate the insurance industry in Alabama.
The Daphne insurance lawyers at Christian & Small LLP are distinguished by a history of successful insurance law recoveries and resolutions. For experienced representation in an insurance dispute, contact the Daphne insurance attorneys at Christian & Small LLP in Alabama.