Insurance coverage (and the related litigation) generally involves a dispute between an insurance company (insurer) and its policyholder (insured) regarding whether a loss suffered by the insured is covered by the insurance policy issued by the insurer.

Such coverage disputes may arise after the insured suffers a loss due to theft, fire, or other event—or when an insured (person or business) is served with a lawsuit and requests the insurer defend the insured in the lawsuit, but the insurer denies coverage or only agrees to defend the lawsuit under a reservation of rights (ROR).

Insurance contracts and insurance coverage issues are often complex and an insured is often well-served by promptly discussing these matters with an experienced insurance coverage lawyer.

In Hawaii, insurance coverage disputes typically involve disagreements between the insurer and the insured about whether a particular loss is covered under the terms of the insurance policy. These disputes can occur in various situations, such as after the insured experiences a loss from theft, fire, or another covered event, or when the insured is named in a lawsuit and seeks defense from the insurer. The insurer may deny the claim, offer partial coverage, or agree to defend under a reservation of rights, which means the insurer reserves the right to withdraw from the defense or seek reimbursement from the insured if it is later determined that the claim was not covered. Hawaii's insurance laws are designed to regulate these matters and provide a framework for resolving such disputes. Given the complexity of insurance contracts and the nuances of coverage issues, it is advisable for individuals or businesses facing these situations to consult with an attorney who specializes in insurance law to ensure their rights are protected and to navigate the legal process effectively.