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COVID-19 Protocol

Please be assured that Ross & Matthews, P.C. remains dedicated to serving the needs of its LegalShield members. Due to the emergency declarations relating to COVID-19, much of our operation is now being handled on a remote basis. In order to avoid any delay in opening and processing your legal matters, we ask that you communicate with us via this form to open new legal matters, or to re-open existing matters. Our attorneys will respond to you based on the information provided. Please include your intake number if one has been assigned to your matter, and otherwise be sure to complete all fields in the form. This is a temporary protocol and is subject to change.

PLEASE DO NOT SEND MORE THAN ONE MESSAGE AS IT WILL SLOW THE PROCESS. If you have documents for review, please use the document uploader to open your legal issue. It is not necessary to use both forms. If you are not contacted within three days, please call us to follow up.

Please note that information transmitted via this website may not be protected by the attorney/client privilege. If you have concerns regarding the confidentiality of the information being sent, you may still call the office to open your legal matter.

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Insurance Law

Insurance Law covers insurance policies and claims, and specifically, the regulation of the business of insurance, the regulation of the content of insurance policies, including consumer policies, and the regulation of claims handling.

In order to understand insurance law, it is useful to understand insurance first. Insurance is a contract in which one party (the “insured”) pays money (called a premium) and the other party promises to reimburse the first for certain types of losses (illness, property damage, or death) if they occur.

Insurance law falls into three major categories. First, the insurance company will hire lawyers to represent the insured in case that person is sued for something related to the insurance contract. The second category of insurance law helps insured people determine when an insurance company must pay a claim. Third, insurance companies typically hire attorneys to make sure the company complies with all applicable laws and regulations, which can vary by state.

There are many types of insurance. The government runs some kinds of insurance, like Social Security disability, worker’s compensation, and unemployment insurance. However, the term “insurance law” usually refers to the law surrounding private insurance. The most common types of private insurance are health insurance, automobile liability insurance, homeowner’s insurance, life insurance, title insurance, and malpractice insurance.

Insurance Terminology
  • Policy – The contract which outlines what the insurance company will pay in case of loss.
  • Benefit – The money or services an insurance company provides in case of loss.
  • Insured – The person who receives the insurance benefit. In the case of life insurance, the “insured” is the person whose life is insured, and the person who receives the benefit is called the “beneficiary.”
  • Premium – The money the insured pays the insurance company.
  • Claim – A request for benefits when loss occurs.
  • Coverage – The types of losses which the insurance company will reimburse.
  • Insurance Agent – A person who is licensed to sell insurance in a particular state.

If you have questions regarding an insurance matter, Ross & Matthews is just a phone call away.