What is the primary outcome of litigation in insurance claims?

In insurance claims litigation, the primary outcome refers to the final resolution that is attained through legal proceedings. A decision made by a judge or jury represents the culmination of the litigation process, where evidence and arguments from both sides are presented and evaluated. This outcome is legally binding and determines the rights and responsibilities of the parties involved regarding the claim.

Litigation often arises when there is a dispute between the insured and the insurer that cannot be resolved through negotiation or other forms of alternative dispute resolution. The judge or jury's decision effectively concludes the matter, providing clarity and legal certainty for both parties, which is why it is identified as the primary outcome of litigation in insurance claims.

Other options such as negotiated settlements, agreements between the insurance and the insured, or a claim review by a panel fall under different processes that may occur outside of litigation or are part of pre-litigation negotiations. While these could certainly be outcomes of disputes, they are not the definitive legal resolution that litigation aims to provide. Therefore, the decision made by a judge or jury stands as the most significant and formal result of the litigation process in insurance claims.