Personal Injury Defense 

With decades of experience in representing a broad spectrum of insurers and their insureds, from large corporate policyholders to small, closely-held businesses, Cotten Schmidt, L.L.P. has a proven track record in insurance litigation and coverage matters.

We advise insurers on first- and third-party insurance policy coverage, including questions arising under commercial and personal lines, homeowners insurance, personal and commercial automobile insurance, transportation/trucking insurance, comprehensive general liability insurance, commercial property insurance, professional medical liability insurance, excess, and umbrella policies.

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In litigation, our personal commitment to early, efficient, and thorough assessment and handling of claims is a cornerstone of our success.  We are well-tested in claims-handling issues, including first- and third-party coverage claims, extra-contractual or “bad faith” matters, and declaratory judgment actions.  We have found that there is no substitute for prompt, on-the-scene investigation and witness interviews, and a timely recommendation for the involvement of appropriate expert witnesses. These initial actions provide insurance professionals with a concrete basis for early reserve evaluation and cost-effective decision-making – ultimately supporting the resolution of dangerous, high-exposure, claims, whether through early settlement or the decision to pursue a trial.

Beyond motion practice, settlement and trial, our attorneys have been directly involved in alternative dispute resolution proceedings, as well as appellate actions addressing expert witness admissibility and substantive coverage issues.