Legal Articles & Guides

What Is a Reservation of Rights Letter? Policyholders rights

A reservation of rights letter is a notice from an insurance company stating that it may provide a defense while preserving its ability to dispute coverage later. Learn why insurers issue these letters, how they relate to the duty to defend and duty to indemnify, what policy exclusions and conditions may be involved, and how a reservation can affect defense counsel, settlement, reimbursement, and coverage disputes. Understand what policyholders should review after receiving a reservation of rights letter and when an insurance lawyer may be helpful.

Beast

Sep 24, 2026·20 min

Insurance Law

What Is an Insurance Claim? What is the Process of a Claim

An insurance claim is a request for benefits under an insurance policy after an event that may be covered. Learn how the claims process works, why insurers may deny or underpay claims, what to do after a denial, how appeals and insurance complaints work, what unfair claims practices can involve, and when legal help may be appropriate.

Beast

Sep 22, 2026·23 min

Insurance Law

Surprise Medical Billing: No Surprises Act Rights Explained

The No Surprises Act bans surprise medical billing for emergency care, air ambulances, and out-of-network providers at in-network facilities. Learn your rights, key deadlines, and how to dispute an illegal balance bill in 2026.

Frankly

Sep 5, 2026·16 min