Minimum Limits, Maximum Difficulties

Chartwell Partner Phillip Raine recently co-authored an article published in CLM Magazine, examining the unique challenges associated with defending claims involving state minimum-limit insurance policies.

In the piece, Phillip explores why these lower-exposure cases can present outsized risk, particularly in today’s environment of nuclear verdicts and aggressive plaintiff tactics. Despite the limited coverage available under these policies, insurers and defense counsel often face heightened pressure due to potential bad faith exposure, conflicts of interest, and the pursuit of additional recovery beyond policy limits.

The article outlines strategies for managing these claims effectively, including early investigation, clear communication, timely decision-making, and a disciplined approach to protecting both the insured and the carrier. By addressing these cases proactively, insurers can mitigate risk and avoid unnecessary exposure.

Read the full article here: Minimum Limits, Maximum Difficulties