Insurance and Surety Lawyers in Troy, MI

Insurance contracts and surety bonds give businesses peace of mind, knowing they won’t suffer a financial catastrophe should the worst occur. However, when loss claims involve seven-, eight-, or nine-figure amounts, parties frequently end up in legal disputes or litigation to minimize their financial liability or loss. Navigating the complex issues in an insurance or surety case requires knowledgeable legal counsel. The attorneys at August Law stand ready to provide the comprehensive legal advocacy you need to protect your business’s interests.

For over 30 years, firm founder Gary August has handled some of Michigan’s most complex legal disputes and litigations. He has a proven track record of achieving favorable outcomes for his clients. Mr. August has earned a reputation for having a deep understanding of some of the law’s most complex issues. He is skilled at communicating his clients’ positions to others to achieve positive outcomes for them.

Representing Large Corporations in Complex Legal Matters

Our firm has successfully litigated some of the most high-value construction cases worth tens or hundreds of millions of dollars, including recovering compensation from sureties in various construction disputes. We’ve also represented some of the country’s largest corporations in complex commercial disputes, including insurance-related matters.

When you or your business has a legal dispute involving an insurance or surety contract, experienced legal counsel can help you protect your rights and financial interests.

Understanding Insurance and Surety Laws

In Michigan, various state laws regulate the insurance industry, such as:

• The Insurance Code of 1956
• The Coordination of Benefits Act
• The Interstate Insurance Product Regulation Compact
• The Third Party Administrator Act

State contract law also governs insurance and surety contracts in Michigan. Most high-stakes insurance and surety litigation arises from contracts or policies such as D&O insurance, E&O insurance, commercial property insurance, business interruption coverage, general commercial liability insurance (including excess policies), and construction surety bonds. 

Types of Insurance and Surety Litigation We Help With

Insurance and surety law require specialized knowledge to understand a party’s legal rights and obligations. However, helping parties with insurance or surety disputes also requires in-depth insight into the insurance industry. At August Law, principal attorney Gary August leverages his extensive professional background in the insurance industry to advocate on behalf of clients in insurance or surety cases involving:

• Insurance coverage disputes, including denial of claims, triggering of excess policies, or calculation of coverage limits
• Early termination of coverage/lapse of coverage without notification
• Changes to premium amounts/policy terms
• Bad faith insurance practices, including misrepresentations regarding policy terms or wrongful denials of coverage
• Broker negligence/fraud
• Breaches of construction surety bonds/construction defect cases
• Insurance or construction arbitration
• Alleged insurance regulation violations
• Reinsurance contracts
• Business interruption coverage

How We Help You Resolve Your Insurance Dispute

Whether your insurance or surety matter involves a contract or coverage dispute or a regulatory issue, an experienced August Law lawyer can help you resolve your case efficiently and favorably. When you turn to us for legal counsel and advocacy, you can expect our seasoned legal team to review the facts of your case thoroughly. We’ll use our extensive knowledge of insurance and surety law, as well as the insurance industry, to review your contracts or agreements and evaluate your options for achieving a positive outcome in your matter. Our attorneys will know what additional documentation or information to look for to support your legal claims. Our firm also works with industry-leading experts in fields such as finance to help us craft compelling arguments supporting your case.

When significant sums of money hang in the balance, you can’t afford to waste resources on litigation that spirals out of control. Our firm will take the time to sit down with you and understand your needs and goals, and to develop a case strategy to achieve a favorable outcome at a reasonable cost. We can also guide you through alternative dispute resolution procedures such as mediation or arbitration. Although we carefully avoid burdening you with excessive legal expenses, our seasoned litigators also won’t hesitate to go to trial when necessary to fight for a fair result.

Why Choose August Law for Your Case?

An insurance or surety dispute can have significant financial consequences for you or your business. Choosing the right legal representation can mean the difference between recovering the benefits or financial compensation you need and deserve. For years, clients have turned to the knowledgeable legal team at August Law for assistance in insurance and surety matters because:

We Have a Sustained Track Record of Success

Our proven record of success in our clients’ cases comes from our singular focus on winning. Our firm’s notable results include obtaining the largest settlement/verdict in Michigan in 2010 when firm founder Gary August represented the City of Dearborn in litigation with some of the state’s largest contractors and insurers. Mr. August has a long record of victories in high-value/high-stakes litigation, which earned him a spot among Michigan’s Top 14 Litigators, recognized by Crain’s July 2016 Detroit Business Special Report.

Our Attorneys Have an Established Reputation in the Legal Profession

Although we take pride in having earned our clients’ trust through long-standing relationships, we have also developed a stellar reputation among our peers through awards and recognitions from some of the most prestigious legal organizations and publications, including Best Lawyers in America, Super Lawyers, Michigan Lawyers Weekly, Martindale-Hubbell, and Avvo.

We Have Extensive Knowledge of Insurance and Surety Law

The legal team at August Law thoroughly understands insurance laws and regulations. Principal attorney Gary August argued and won the Michigan Supreme Court case of Nowell v. Titan, resolving whether an insurance company can cancel a policy in Michigan without notice. Mr. August also holds licenses as an Insurance Producer for property and casualty insurance and as an Insurance Solicitor for personal lines coverage. Unlike other firms that charge you while they research the law governing your case, our legal team already has a fundamental understanding of the legal issues in your case before you walk through our doors.

We Strive to Offer Ethical Representation and Stellar Client Service

We care about our clients and work hard to help them achieve their goals. For us, success means not only winning our clients’ cases but also providing them with top-notch service. However, we never adopt a “at any cost” mantra because we know our clients will pay those costs. We take the time to understand your goals and financial circumstances to provide legal representation at a reasonable cost. We also never cut corners and strive to ensure that when we win, we do so ethically and professionally.

Contact Us for a Case Review to Discuss Your Legal Options

When you or your company finds itself in an insurance or surety dispute, you need legal representation with in-depth knowledge of state and federal laws and regulations. An attorney from August Law can provide the advice and advocacy you need to navigate a complex legal matter. Contact our firm today for a free initial consultation to discuss your legal options with our experienced team.