Insurance
Our insurance lawyers represent both insurance policyholders and insurance companies
The role of insurance in tort law
Insurance plays an important role in tort law. The connection between insurance and tort law is evident in the fact that liability for damages is often transferred to the insurer through liability insurance, meaning that the party causing the damage is not solely liable for the damages.
However, insurance companies and policyholders do not always agree on if an insured event has occurred and how the liability for compensation should be divided. An insured event is an event that, according to the insurance contract and the terms and conditions of insurance, is intended to be compensated on the basis of the insurance.
Assisting companies and individuals in insurance matters with decades of experience
We are experienced experts in insurance law
The terms and conditions of insurance contracts define the conditions for liability for compensation. However, not all terms and conditions are unambiguous, and insurance disputes often concern the interpretation of insurance policy terms and conditions. The application of different types of insurance, insurance contracts, and their terms and conditions to an accident is a matter of contract interpretation, and if an insurance company refuses to compensate for a loss, it is often a good idea to consult an insurance law expert if you have doubts about the correctness of the decision.
We assist companies and private individuals in insurance disputes with extensive experience.
Corporate insurances
Our insurance lawyers have decades of experience in corporate insurance disputes and compensation matters.
Corporate liability insurance
Corporate liability insurance covers personal injury and property damage caused to third parties for which the company is liable, as well as any direct financial losses related to such damage.
Compensation is paid from the company’s liability insurance when the company is liable for the damage. If the insurance company considers that the company is not liable for the damage, it must, if necessary, compensate the legal costs incurred in defending against the claim for compensation.
If the company that caused the damage, such as a subcontractor, has liability insurance, the injured party may contest a negative compensation decision, even if it concerns another company’s liability insurance. The insurer must send the injured party information about its decision on the compensation claim made under the liability insurance. The injured party has the right to bring an action against the insurer on the basis of the compensation decision or to refer the matter to the Consumer Disputes Board or another similar body, if the matter otherwise falls within the competence of that body. This right applies to both consumers and businesses.
We assist companies and consumer customers in all disputes related to liability insurance
Occupational accident insurance
Occupational accident insurance is statutory accident insurance that employers use to insure their employees against accidents and occupational diseases. The insurance covers accidents and occupational diseases that occur at work, during commutes, and in connection with work tasks.
We assist employers in problem situations following an accident at work. We handle negotiations with the insurance company and, if necessary, dispute proceedings before the board, the Insurance Court, or the general courts. Our experienced lawyers also handle criminal cases related to accidents at work.
We handle all work-related disputes and criminal cases with extensive experience
Insurances for private individuals
Airakorpi Law Ltd has extensive experience in handling disputes related to private individuals’ insurances, such as motor insurance disputes. We have won disputes in court for our clients in situations where the insurance company has made a negative compensation decision.
Motor Liability Insurance
Motor liability insurance covers personal injury and property damage caused by the use of a motor vehicle.
We have extensive experience in disputes related to personal injury, such as brain damage
The insurance company requires a causal link between the car accident and the personal injury. In cases of brain injury, for example, the causal link must be proven if the insurance company refuses to pay compensation on the grounds that there is no causal link.
You can contact us in all disputes concerning motor insurance
Our experienced lawyers also handle criminal cases related to traffic accidents with extensive experience
Home insurance
Home insurance often includes home contents insurance, liability insurance, and legal expenses insurance.
Liability insurance is intended to cover the policyholder’s potential liability for damages to third parties. Home insurance often also includes legal expenses insurance. Legal expenses insurance covers the policyholder’s legal costs, such as legal fees, incurred in legal proceedings.