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The purpose of an insurance policy is to keep us safe and, hopefully, financially protected as well. We use different types of insurance on a daily basis—property insurance, health insurance, life insurance, and even liability insurance. And we expect them to protect us—physically, at the very least. But what happens when that doesn’t happen? What happens when something goes wrong? That’s where the job comes in for an insurance defense attorney. Read on to learn what an insurance defense attorney does and how they can help you.

What Is an Insurance Defense Attorney?

Your insurance policy is a contract between you, the policyholder, and the insurance company. In that contract, the insurance company agrees to pay for certain things—things like your home, your car, your life, and more. But suppose you are involved in a car accident, or your home is damaged by a storm, or one of your family members has a life-threatening disease. What happens then?

These are situations where you will hire an insurance defense attorney. The attorney will start the process of getting your claim approved. When you have an insurance policy, you are entitled to certain rights. The most important of those rights is due process. An insurance defense attorney will make sure that you get the process you are entitled to by law.

What Does an Insurance Defense Attorney Do?

An insurance defense attorney will also ensure that every legal and contractual right you have is protected through the process. They will be on your side and will fight for your rights.

Although an insurance defense attorney works for the insurance company, in these situations, they will also be your advocate and will make sure you get everything you are entitled to.

An insurance defense attorney’s job varies based on the issue involved. Most of the time, an insurance defense attorney works for an insurance company. That insurance company could be the one from which you purchased your policy. Or, that insurance company could be any insurance company, as long as you have a policy with that company.

Those cases where you work with an insurance defense attorney will usually be big cases. Usually, they will involve claims far higher than whatever your deductible is. It could be thousands, tens of thousands, or even hundreds of thousands of dollars.

How Does an Insurance Defense Attorney Work?

Sometimes, however, these situations can get messy and controversial very quickly. So it can be a good idea to contact an insurance defense attorney early on in the process.

On the flip side, an insurance company will hire an insurance defense attorney when a person makes a claim against their company. This can be because of a property loss, an accident, or a life-threatening disease. An insurance company wants to make sure their policyholders are taken care of, and they want to protect their bottom line. When this happens, they will hire an insurance defense attorney to make sure that these cases are handled properly.

Why Do You Need to Hire an Insurance Defense Attorney?

The reason you need to hire an insurance defense attorney is to make sure that you are protected properly and are given the due process you are entitled to. That’s why it’s so important that your attorney is experienced with these types of issues.

Insurance companies, even if they are settling the case, will try to pay as little as possible, if at all. That’s why it is important to have a lawyer who will be on your side and will fight for you.


For people who have an insurance policy, it is essential to know what you can expect in the event of a loss. You want to know what you are entitled to and what you can hope to recover. That’s why it is so important to contact an experienced insurance defense attorney if you are ever in a situation where you need one. An insurance defense attorney will make sure that your rights are protected and that you are given the due process you are entitled to.

Having an attorney with the right experience as a partner, whether it’s for an insurance claim or other legal matter, can be the difference between getting a good outcome or a bad one. The lawyers of McCallum, Hoaglund & McCallum, LLP is here to give you all the help you need. We offer more than 75 years of combined experience in the practice of law. Get in touch with us if you’re in need of a reliable insurance defense attorney in Birmingham, AL. Our team is always ready to assist you.