Insurance is a policy that provides clients and consumers from protection against a possibility or probable outcome. Typical types of insurance include life, medical and homeowners insurance.
An insurance attorney specializes in representing the client who pays premiums to insurance companies in exchange for the protection they paid for. This may include financial compensation for their losses. An attorney in this type of practice would be involved with cases including insurance coverage claims and applicable contracts. Clients may be involved in civil or criminal matters and the insurance attorney will need to have the flexibility to handle both types of court cases.
These cases can relate to a number of different insurance types such as health insurance, homeowners insurance and auto insurance. An attorney would not only represent their clients, but may also work to advise representatives of an insurance quality about their particular insurance transactions and the legality of these transactions.
Insurance attorneys must be able to interpret laws and analyze the probable outcome of potential cases through the application of legal precedents. They will be asked to study the United States Constitution as well as other statutes, regulations and other ordinances. Through these studies, a successful insurance attorney will be able to extrapolate the possible and probable results of these court cases.
Beyond good knowledge of law and government, insurance attorneys need to be thorough, analytical and possess a high level of attention to detail. In this law specialty, attorneys will be subjected to vast amounts of material that they will need to process and understand in order to make informed decisions to move forward with a court case or action.
Insurance attorneys must stay up to date with court decisions and other related cases and may often be called upon to examine how insurance policies are worded and if they conform to that state's laws. Consequently, an insurance attorney is usually required to follow the same course of study as any other traditional lawyer: a four-year B.A. from a university as well as a juris doctorate (J.D.) degree from a law school accredited by the American Bar Association. At the same time, most insurance attorneys are required to be in good standing with their state's legal bar association.