IMPORTANT INSURANCE QUESTIONS

When buying insurance individuals must make important decisions.

In certain states they must decide to elect “zero threshold/full tort” or “lawsuit threshold/limited tort coverage.” Although more expensive — our concern is with our clients’ welfare and we suggest wholeheartedly that our clients purchase “zero threshold/full tort coverage” in the event that they and their loved ones are seriously injured. Such an election can make all the difference in terms of to what they are entitled.

In such a fast paced society, we need insurance to protect our lives, families, homes, and belongings. Navigating the insurance industry and selecting the policy that fits your needs can be daunting, and often times insurance companies themselves are difficult to deal with. Since insurance policies and the law governing them can be so complicated, we offer services (insurance policy review) to help you understand in order to choose the policy that is right for you.

With a thorough examination of an existing insurance policy, we ensure that the coverage aligns with the policyholder’s current needs and circumstances. This process involves reviewing the terms, limits, exclusions, premiums, and any recent changes in life, health, property, or business conditions that might affect coverage requirements. Regular policy reviews are essential, as they help identify gaps in coverage, eliminate unnecessary costs, and make sure beneficiaries, deductibles, and endorsements are up to date. Major life events—such as marriage, home purchases, business expansions, or having children—often warrant immediate policy updates.

From a legal and financial standpoint, reviewing an insurance policy can prevent significant losses in the event of a claim. Without proper coverage, individuals and businesses may face denied claims, underpayment, or legal disputes with insurance providers. A professional review, whether by an attorney, financial advisor, or insurance agent, helps ensure the policyholder fully understands their rights and obligations under the contract. This proactive step not only strengthens financial protection but also provides peace of mind, knowing that the policy will respond as expected when it’s most needed.

Our team has over 40 years of experience handling and managing insurance policies of all types. We can review any type of insurance policy with you — whether it be homeowners, business, umbrella, or auto; and we can help you understand what your policy means. 

No matter what your insurance questions, we can help. Contact our experienced legal team and let us help you choose the policy that best fits your needs. We can meet with your family or answer initial questions over the phone if needed. We are available 24/7 to assist you in making the correct choices regarding your insurance policy questions.

CONTACT YOUR GREATER PHILADELPHIA AREA INSURANCE POLICY ATTORNEY

Licensed in Pennsylvania and New Jersey, Rosenberg Law has offices in Bala Cynwyd, Pennsylvania, and Cherry Hill, New Jersey. Call Rosenberg Law at 610.667.1500, or contact us online. We handle a vast majority of different types of insurance policy reviews, so always feel free to give us a call to speak with us further.