An insurance lawyer practices insurance law. The insurance lawyer can represent both clients that have made their premium payments. Insurance law attorneys handle cases that involve coverage and claims. For example if you require your insurance to pay a claim but they refuse, you might need an insurance lawyer.
An insurance company does have exclusion clauses in their policy. However, sometimes these companies refuse to pay out even though there is not a direct clause. In this instance an insurance lawyer can help you get the compensation you deserve. Any lawyer is going to examine the case to determine your chances of winning. You will need a strong case to prove to the court the insurance company should pay. The insurance lawyer will help with this.