We Have Been Protecting Policyholders and Insurance Companies in Georgia for 50 Years

Our practice defends policyholders and insurance companies against personal injury, property damage, construction defect, medical malpractice, and other types of liability claims. By focusing our practice in the area of liability defense since 1973, we have built a hard-earned reputation as reliable defense counsel for insurance companies and their policyholders, and we have secured numerous favorable results on coverage issues at trial and on appeal.

Of course, we have significant experience in the pre-trial phase as well. We routinely resolve our clients’ cases without litigation and take a proactive approach to efficiently and favorably resolving our clients’ cases before trial whenever possible. We take this same approach to every matter we handle, including first-party, third-party, and extra-contractual liability claims.

Types of Insurance Coverage Matters We Handle

Our insurance coverage defense practice is extremely broad. We handle all types of substantive claims at all phases, from investigation through trial and on appeal when necessary. Our practice includes defending insurers in matters involving:

First-Party and Third-Party Claims

We handle first-party and third-party claims involving various lines of coverage. In every case, we conduct a comprehensive factual investigation and detailed coverage analysis to assess our client’s contractual obligations and potential liability exposure. Then, based on the circumstances, we execute a targeted defense strategy focused on mitigating our client’s liability to the fullest extent possible — including avoiding liability completely when there is an opportunity to do so. Some examples of the types of first-party and third-party claims we handle for insurance companies in Georgia include:

  • Auto insurance (including uninsured motorist (UM) coverage)
  • Commercial general liability (CGL) insurance
  • Employer’s liability insurance
  • Homeowner’s Insurance
  • Medical malpractice and healthcare liability insurance
  • Premises liability insurance
  • Professional malpractice and liability insurance
  • Property damage liability insurance
  • Rideshare insurance
  • Umbrella Insurance

With 50 years of experience, we have handled virtually all types of insurance coverage claims as defense counsel, and our lawyers have taken numerous cases to verdict on behalf of our insurance clients. We are committed to providing sound advice to our clients on coverage questions, and we enforce the contractual obligations found in insurance policies through declaratory judgments when warranted. Whether advising clients on a coverage question before a suit is filed or during the course of litigation, we rely on our collective experience in the insurance field to achieve favorable results as cost-effectively as possible.

Extra-Contractual Liability Claims

In addition to handling first-party and third-party insurance claims, we also handle extra-contractual liability claims in Georgia. Because of the extra-contractual risk associated with time-limited demands, broad experience and detailed care are employed to ensure that when an insurance company desires to settle a claim after receipt of a time-limited demand, the material terms of the demand are accepted without variance so that a binding and enforceable settlement is reached. This process includes carefully responding to time-limited demands before suit is filed in accordance with state statute, along with properly advising insurers and their policyholders about time-limited demands and Offers of Settlement received during the course of litigation. In addition to handling time-limited demands, we advise insurance companies on the potential exposure associated with demands that are not properly accepted. Bad faith and other types of extra-contractual liability claims are common in personal injury, property damage, and other types of insurance litigation matters in Georgia, and we have significant experience handling these claims for our insurance clients.

Contact an Insurance Coverage Defense Attorney at Downey & Cleveland, LLP in Marietta, GA

With a client list that includes local, regional, and national insurance companies offering auto and commercial lines, our firm has the experience and resources required to provide effective defense representation in all types of insurance coverage matters in Georgia. If you would like to speak confidently with one of our insurance coverage defense attorneys, please call 770-422-3233 or request an initial consultation online today.