Insurance Law/Expert Profile

David W Cofer

On Vacation
returns 12/30/2017

I am qualified to answer questions regarding most Insurance issues. I am extremely knowledgeable in coverage and liability issues, subrogation, and dispute resolution. I am a licensed Property & Casualty Adjuster in Texas with over 30 years of experience in the insurance industry. I am a volunteer panel member at Arbitration Forums, a dispute resolution organization designed to resolve liability disputes between caarriers. If you have a question about your insurance policy, coverage, or feel your claim has been unjustly denied, feel free to ask my professional opinion about the matter. I am not able to answer questions regarding Health or Life insurance issues.

Experience in the area

I have worked in the insurance industry for over 30 years. I specialize in Automobile and Property insurance, especially related to coverage and liability issues. I am a volunteer panel member at Arbitration Forums where I hear insurance disputes and render decisions regarding liability disputes among insurance carriers.


North Texas Subrogation Association; Arbitration Forums


I have about a dozen articles publised in the Subrogator Magazine as well as articles published in Venture, Entrepreneur, Fire Engineering, Security Management, and Collector Magazine.


B.A. degree, University of Texas, Arlington, Psychology. Leonard's Insurance Adjusting School. Hundreds of hours of Continuing Education for my Adjuster's License.

Awards and Honors

I received the Arbitrator of the Year Award twice

Past/Present Clients

Numerous insurance companies in the USA.

Average Ratings

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    P = Politeness
JA06/10/11101010Thank you!
Christie05/31/11101010Thank you so much!! I will first .....

Recent Answers from David W Cofer

2014-09-30 Incident at Gas Station:

Hello Liz,    Thank you for the question.  I hope it was not you who was beaten at the station, but my wishes for a speedy recover for whomever the victim was.    First, let me state that I am not an attorney

2012-12-14 personal injury claim:

Hello Ed,    Thank you for your question and the opportunity to answer it.    I am sorry to hear about your accident.  It sounds like it was pretty serious.  Hopefully you are better and on the road to

2012-02-29 wholesale dealer tag liability insurance:

Hello George,    Thank you for your question and the opportunity to assist.    Why will the companies you contacted not cover you?  What is the reason they are giving?  Is it because you are working from

2011-06-07 Someone used my moms car without permission and got into an accident... How best to deal?:

Hello CC,    Thank you for your question.  This is an unfortunate situation, but hopefully no one was injured in the accident.    Your mother should contact AAA immediately and tell them your friend took

2011-06-07 Boat Insurance...Progressive Ins.:

Hello JA,    Thank you for your question.    Based upon the information you provided, it does not sound like gradual deterioration.  I do not know why Progressive would deny the claim as it sounds like


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