Client Experiences with Indivara
Real testimonials from policyholders and insurance entities who have worked with our legal team on insurance dispute resolution matters.
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What our clients say about working with Indivara
Apinya Prasomsuk
After my business interruption claim was initially denied, Indivara's team conducted a thorough policy review that identified several coverage provisions the insurer had overlooked. Their negotiation approach was professional yet persistent, ultimately securing a settlement that covered most of my losses. The communication throughout was clear and responsive.
Wanchai Somchai
The property damage claim process was more complex than I anticipated, but Indivara helped navigate each step. They assembled all necessary documentation, coordinated with the adjuster, and explained policy language in plain terms I could understand. While the timeline was longer than hoped, the final settlement was fair and the legal fees were transparent.
Sunisa Maneerat
As an insurance intermediary, we needed counsel on Office of Insurance Commission compliance requirements for a new product line. Indivara provided practical guidance that aligned regulatory obligations with business objectives. Their knowledge of both insurance law and OIC procedures was evident throughout our engagement.
Korakot Thongchai
Facing a professional liability claim denial, I needed experienced counsel who understood both policy interpretation and litigation strategy. Indivara developed strong coverage arguments supported by case precedents, which proved persuasive during settlement discussions. Their expertise in insurance law made a significant difference in the outcome.
Niran Wattana
The claim process took several months, which tested my patience, but Indivara remained committed throughout. They managed communications with the insurer professionally and kept me informed of developments. The settlement we reached was reasonable given the policy terms, though I had initially hoped for more. The fee structure was as outlined in our agreement.
Pimchanok Thammasat
When our directors and officers liability insurer disputed coverage scope, Indivara provided clear analysis of policy language and corporate governance issues. Their approach balanced legal precision with practical business considerations. The resolution protected our organization while maintaining a working relationship with the insurer for future coverage needs.
Success Stories
Case studies demonstrating our approach to insurance dispute resolution
Property Insurance Claim Recovery
Challenge
Manufacturing facility sustained significant water damage from flooding. Initial claim submission resulted in settlement offer covering only 45% of documented losses. Insurer cited policy exclusions related to preventable maintenance issues.
Solution
Comprehensive policy analysis revealed exclusion language required proof of gross negligence, not mere maintenance gaps. Assembled expert engineering reports demonstrating proper facility maintenance and unavoidable nature of damage. Developed negotiation strategy emphasizing coverage provisions.
Results
Negotiated settlement increased to 82% of documented losses within 3.5 months. Client avoided litigation costs and timeline while achieving recovery sufficient to restore operations. Maintained ongoing relationship with insurer for future coverage.
Professional Liability Coverage Litigation
Challenge
Professional services firm faced malpractice claim from client alleging errors in deliverables. Professional liability insurer denied coverage asserting the claim fell outside policy period and involved intentional conduct exclusion.
Solution
Filed coverage action in Thai Civil Court challenging denial. Presented evidence establishing claim triggering event occurred during policy period under claims-made policy structure. Demonstrated no factual basis for intentional conduct allegation, shifting burden to insurer.
Results
Court ruled in favor of coverage, requiring insurer to defend underlying malpractice claim. Subsequent settlement of malpractice matter fell within policy limits. Total resolution achieved in 14 months, protecting client from out-of-pocket defense costs and liability exposure.
Regulatory Compliance Advisory for Insurance Broker
Challenge
Insurance brokerage expanding operations needed counsel on Office of Insurance Commission licensing requirements, permissible compensation structures, and disclosure obligations. Existing practices required assessment for regulatory compliance gaps.
Solution
Conducted comprehensive review of current broker operations against OIC regulations. Identified areas requiring licensing updates and compensation arrangement modifications. Developed implementation roadmap with prioritized action steps and timeline.
Results
Brokerage achieved full regulatory compliance within 4 months. Obtained necessary licensing approvals, restructured commission arrangements to meet disclosure requirements, and implemented ongoing compliance monitoring procedures. Positioned for sustainable growth aligned with regulatory framework.
Trust Indicators
Our commitment to professional excellence in insurance law
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