Russo & Kieck has an insurance practice and is located in Hackensack, New Jersey representing clients in Paramus, Saddle River, Fort Lee, Paterson, Clifton, Rutherford, Glen Rock, Englewood, Mahwah, Midland Park, Rutherford, Wyckoff, New York City and all areas of Bergen, Passaic, Hudson, Essex, Morris, and Union Counties. Schedule a consultation by contacting us at 201-342-3100.
Insurance Coverage Law
An insurance policy is a contract. There are many cases in New Jersey interpreting the clauses in various policies and setting forth the rules of construction. Also, depending on the issues involved, there are Federal and New Jersey statutes that must be followed.
There are many types of insurance policies and the law for one type of policy does not necessarily apply to another type of policy. For example, there are automobile policies, individual health insurance policies, group health insurance policies, commercial liability policies, liquor liability policies, fire policies, property damage policies, homeowners’ policies, tenants’ policies, professional liability policies, errors and omissions policies, group life insurance policies, individual life insurance policies, accidental death policies, individual long term disability policies and group long term disability policies.
Many times, the policy language contains a specific statute of limitations for lawsuits for denial of coverage. Although the general statute of limitations for contract claims is six years, the law allows for a lesser statute of limitations to be set forth in the policy and in such cases, the policy language as to the statute of limitations is controlling.
Most insurance policies are obtained from agents, brokers and producers who are licensed professionals and owe duties to the insured to advise as to coverage questions, obtain proper coverage, place and renew policies etc.. The breach of this duty creates a claim against the agent, broker and producer.
Conveniently located across from the court house in Hackensack, NJ, our attorneys serve all of the Northern New Jersey area. Call 201-342-3100 to schedule a consultation.