Insurance Law

At Coffey, Senger, Hancock & Harmon (CSHH), we offer comprehensive legal services in insurance law, providing strategic guidance and skilled representation to clients across Oklahoma, Kansas, and Missouri. Our attorneys have extensive experience handling insurance-related disputes, from coverage analysis to high-stakes litigation. Whether you’re an insurer, policyholder, or third party, we are committed to protecting your interests and resolving disputes efficiently.

What Is Insurance Law?

Insurance law governs the interpretation and enforcement of insurance policies. Disputes often arise when coverage is denied, claims are delayed, or policy terms are unclear. At CSHH, we represent clients in various insurance matters, including:

  • Coverage Disputes: Resolving disagreements over the scope of insurance coverage.
  • Bad Faith Claims: Defending or prosecuting claims involving unfair handling of insurance policies.
  • Subrogation: Assisting insurers in recovering costs from responsible third parties.

Who We Represent

  • Insurance companies

  • Policyholders / individuals and businesses

  • Third-party claimants
  • Self-insured businesses

Services We Provide

Coverage Analysis and Disputes

Our attorneys provide detailed analysis of insurance policies to determine coverage obligations. We resolve disputes involving:

  • Commercial general liability (CGL) policies
  • Professional liability (errors and omissions) policies
  • Property and casualty insurance
  • Auto insurance policies

Bad Faith Litigation

Insurance companies have a duty to act in good faith when handling claims. We represent clients in bad faith litigation, addressing issues such as:

  • Unreasonable claim denials
  • Delayed payments
  • Failure to properly investigate claims

For insurers, we provide robust defense strategies to protect against allegations of bad faith.

Subrogation and Recovery

We assist insurance companies in recovering funds paid out on claims by pursuing liable third parties. Our attorneys handle subrogation cases efficiently to help insurers mitigate losses.

Defense Against Fraudulent Claims

Fraudulent claims can result in significant financial losses for insurers. Our team investigates and defends against fraudulent claims to protect our clients’ assets and reputations.

Regulatory Compliance and Advisory Services

We provide guidance on federal and state regulations affecting insurance companies, ensuring full compliance with:

  • Oklahoma Insurance Department (OID) regulations
  • Kansas Insurance Department (KID) guidelines
  • Missouri Department of Commerce and Insurance (MDCI) standards

Our proactive compliance strategies help clients reduce the risk of regulatory fines and litigation.

Strategic Defense in Insurance Litigation

At CSHH, we understand that insurance disputes require tailored and strategic defense approaches. Our attorneys:

  • Analyze policy language and exclusions to build strong cases
  • Use expert testimony to clarify technical insurance issues
  • Pursue alternative dispute resolution when appropriate to minimize litigation costs

We aim to protect our clients’ financial and legal interests while ensuring fair and just outcomes.

State-Specific Legal Considerations

Oklahoma

  1. Bad Faith Law: Oklahoma has stringent bad faith laws, making it essential for insurers to handle claims with utmost care. Policyholders who prevail in bad faith claims may recover damages beyond the policy limits, including punitive damages.
  2. Oil and Gas Industry Risks: Oklahoma’s oil and gas sector presents unique insurance challenges, including coverage disputes related to environmental damage and hazardous material transport.
  3. Comparative Negligence: In liability claims, Oklahoma’s modified comparative negligence system reduces damages based on the plaintiff’s percentage of fault.

Kansas

  1. No-Fault Insurance Requirements: Kansas requires personal injury protection (PIP) under its no-fault auto insurance system, which impacts how claims are filed and resolved.
  2. Statute of Limitations: Kansas imposes a two-year statute of limitations for personal injury and property damage claims. Insurers must act quickly to investigate and resolve claims.
  3. Agricultural Risks: Kansas’s agriculture industry often faces insurance claims related to crop damage, equipment failure, and livestock losses, requiring specialized policy reviews.

Missouri

  1. Vexatious Refusal to Pay: Missouri law allows policyholders to seek penalties if an insurer unreasonably refuses to pay a claim. Insurers must ensure prompt and fair claim handling to avoid such penalties.
  2. Pure Comparative Negligence: Missouri’s pure comparative negligence system allows plaintiffs to recover damages even if they are primarily at fault, increasing the need for a strong defense in liability cases.
  3. Flood and Property Damage Claims: Missouri’s frequent flooding poses unique challenges for property insurers, including disputes over water damage exclusions and policy coverage limits.

Why Choose Us for Insurance Law?

KEY ADVANTAGES:

  • Regional Expertise: Deep understanding of insurance laws in Oklahoma, Kansas, and Missouri.

  • Comprehensive Services: From litigation defense to regulatory compliance, we handle all aspects of insurance law.

  • Proactive Strategies: We help clients minimize risks and avoid costly disputes through careful policy reviews and compliance measures.

At CSHH, we combine extensive legal knowledge with practical experience to deliver exceptional results for our clients. Whether you’re facing a coverage dispute, defending a bad faith claim, or navigating regulatory requirements, our team provides personalized and effective legal solutions.

Contact CSHH for Insurance Law Services

If you’re facing an insurance dispute or need guidance on regulatory compliance, trust the experienced attorneys at CSHH to protect your interests.

918-292-8787

Toll-Free: 844-292-8787