Insurance companies owe a duty to policyholders to pay valid claims, or to defend or settle valid third-party claims brought against their insured. At the same time, insurance carriers owe a duty to their shareholders to investigate every claim, and to only pay benefits where both coverage and liability are clear, and the amount sought accurately reflects the actual value of the claim. At Cobb, Boyd, White & Cobb, we respect the position insurance companies find themselves in when confronted with a claim. As lawyers who routinely litigate injury claims, we believe that the civil justice system is best served when only claims with merit are pursued. When fraudulent or inflated claims are presented for payment, our attorneys provide a strong defense of the insurance carrier position, with the goal that compensation is provided only when actual wrongdoing or liability can be proven.