You want to know how your carrier will treat you when you have a claim. Some carriers may dictate choice of counsel without asking for your input in the event you are sued. Similarly, some carriers have provisions in their policy that put significant conditions on your decision on whether or not a claim should be settled. In effect, your limits of coverage for the claim will be reduced to the settlement amount offered by the insurer. If you truly believe a settlement is unjustified, you have almost no ability to determine whether to seek a just result under such clauses.
Most carriers have non-attorneys supervising claims, from locations outside of Texas.
TLIE's policy specifically provides that we must consult with you about choice of counsel before hiring counsel, unless there is an emergency of some sort. TLIE's policy has no hammer clause. Instead, if the insured firm disagrees with a decision to settle and there is sufficient time before trial, a procedure allows a review of the situation by three of your fellow attorneys. All of TLIE's in-house claims counsel who supervise claims handling are experienced Texas attorneys. We know Texas law and Texas jurisdictions.