An insurance company representative often raises some defenses to a claim. The defenses may be legal or factually based and may potentially reduce the value of your case.

Legal or factual grounds to defeat plaintiff's claim.

Legal doctrines that relieve defendant/perpetrator of liability for having committed a tort.

Justifications or excuses defined by law whereby a defendant may be released from prosecution or punishment.

Circumstances, specific to each Title, under which the general nondiscrimination requirements do not apply.