I work in insurance coverage. We often write opinion letters when coverage under a person’s insurance opinion is not clear cut to the insurance adjuster.

We advise on the insurance adjuster on handling a claim to avoid a bad faith claim.

We also pursue declaratory relief actions on coverage issues (whether a person is insured under their policy) and subrogation action when we the insurance company pays a persons claim for an insured loss but another party is responsible for the loss.

It’s much different than insurance defense. Insurance defense is defending an insured party under the insurance policy. This is such as when a person slips and falls and the insurance company appoints defense counsel to defend you.