How Claims Counsel & Coverage Counsel and the Adjuster Establishes Coverage

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The insured may meet with an attorney representing the insurer under two circumstances:

   If the insured has been sued by a third person .

   If there is a problem with coverage or with the extent of the claim. Attorneys who represent insurers in such situations are often referred to as “Coverage Counsel.”

The insured may meet with Coverage Counsel if an examination under oath is demanded by the insurer to resolve coverage issues found in the investigation of a first party property claim. In that case the insured must, as a condition of the insurance, appear before claims counsel and give sworn testimony.