Anthony Russo identifies and analyzes the nature of the relationship between the insurer and the policyholder, the policyholder and the lawyer, and the lawyer and the insurer. He explains the recent history and development of these rules since the release of The Florida Bar Report on Insurance Practices Special Study Committee (June 2, 2000). Practical problems will be discussed in the context of three real world lawsuits, a personal injury defense action, an insurance coverage action, and a legal malpractice action.