Unfair Insurance Practices

In Connecticut, Individuals and business entities that take out insurance coverages have an expectation which the Courts will enforce to have their policy claims administered fairly in accordance with the terms of the Policy and the reasonable expectations of the parties. As insurance contracts are adhesion contracts which are generally not subject to negotiation and drafted by the Insurance company issuing the coverage, any ambiguities are traditionally resolved in favor of the insured party. Individual consumers may rely on such policy coverages when they experience certain occurrences which trigger coverage such as an automobile accident where the party at fault, known as the tortfeasor, has no liability insurance coverage in effect. In such instances, it is common for the injured party not at fault for the accident to seek policy benefits from their own insurer in lieu of Damages which would otherwise be recoverable from the tortfeasor’s own insurer if they had insurance coverage in effect.