Insurance
Legal Matter AI for insurance coverage & bad faith
A dispute about whether a policy covers a loss, and how the insurer handled it.
What this case usually turns on
The interaction between the policy wording and the claim file — what was asked, what was answered, and how long it took.
Every element, checked against your file
A insurance coverage & bad faith claim has to make out each of these. We read every page of the documents you upload and tell you which ones the record supports — and, just as importantly, which it does not.
Policy in force
A valid policy covered the insured at the time of the loss.
Usually shown by: The declarations page, premium records, renewal notices.
Covered loss
The loss falls within the insuring agreement.
Usually shown by: The policy wording, the proof of loss, adjuster reports.
Exclusions
No exclusion removes the loss from cover.
Usually shown by: The exclusions section read against the facts of the loss; the insurer's own stated basis for denial.
Conditions met
The insured did what the policy required of them.
Usually shown by: Notice of loss, proof of loss, cooperation, examination under oath.
Handling conduct
For a bad-faith claim: whether the insurer investigated and responded reasonably.
Usually shown by: The claim log, delays between communications, whether the denial gave reasons, whether the file shows any investigation at all.
What that looks like in the report
Policy in force — Supported. Cited to the page it came from.
Covered loss — Supported. Cited to the page it came from.
Exclusions — Not supported. Nothing in this record makes it out. The exclusions section read against the facts of the loss; the insurer's own stated basis for denial would answer it.
Conditions met — Supported. Cited to the page it came from.
Handling conduct — Supported. Cited to the page it came from.
“Not supported” means not in the documents you uploaded — never that your case fails. These are the elements such a claim commonly requires, not the law of any jurisdiction, and everything is for an attorney to weigh.
What to upload
The more of the file it has, the more it can tell you is missing. Scans are fine — they are read with OCR.
- The full policy, including the declarations page and all endorsements
- The claim file and adjuster notes, if you have them
- Every letter between the insured and the insurer
- The denial or reservation-of-rights letter
- Proof of loss and any supporting documentation submitted
- Repair estimates, appraisals or damage valuations
What you get back
- A chronology of the claim — what was sent, what came back, and how long it took
- The exclusions the insurer relied on, quoted from the policy
- Which conditions the insured met and which the file cannot show
- Where the handling record is thin, which is the substance of a bad-faith claim
Why it beats reading it yourself
- Policies are long and cross-referenced; every endorsement is read, not skimmed
- Delay is proved by dates, and every date in the file is extracted
- Tells you what the claim file does NOT contain — often the strongest point
What the report contains
One document, every time. You say what to focus on and it leads with that — but you get the whole picture, because a file rarely turns out to hinge on the thing you expected.
Response to your request
Your question, answered directly, up front
Element coverage
Each element supported or not, with the citation
Chronology
Every dated event in order
Key facts & parties
What the documents establish, and who is who
Evidence both ways
What helps, what hurts, and what is missing
Questions to ask
Built from the gaps, for deposition or discovery
Suggested draft language
A passage you can adapt, cited throughout
Attorney review notes
What you must decide or verify
What it does not do
- It has no case law and no access to anything outside your matter. It answers from the documents you upload and cites them.
- It does not give legal advice or decide whether a claim succeeds. A supervising attorney approves every report before it is written.
- Elements vary by jurisdiction. Those above are what such a claim commonly requires — your state’s law governs.
A full analysis of a typical matter costs
$49.99 – $199.99
Estimated and approved before it runs, then settled to what it actually used. Asking a quick question costs a fraction of that.
Different kind of case? See all case types — the tool works on any matter, whether or not we hold a checklist for it.