Insurance transactions tend to resemble one another, so disputes arising from them tend to resemble one another. There are only so many ways that an insurance company and an insured can get crossways. Most cases present recurring problems that can be grouped into several categories. Insurance law is even more precedent driven than other areas, as courts try to construe similar policy language consistently. It is not surprising that cases start to look alike.
The key is find good authorities that match your facts, or to emphasize the facts that match good authorities.
Of course, the starting point is the contract itself. The initial inquiry almost always begins with the language of the contract to determine what is covered and what is not. Other tort and statutory theories may logically depend on the existence of coverage, or may exist independent of coverage. The interplay between recovery for breach of contract and recovery under other theories is discussed in numerous areas in this blog. Beyond suit for breach of contract, most insurance cases can be grouped into these categories – misrepresentations – non-disclosures – unfair settlement practices – and other misconduct.