For victims of injury or property loss, a protracted battle with a Florida insurance company is an all-too-common occurrence. Some insurers even fight their own policyholders, ignoring years of faithful premiums to ensure momentary savings for their organization. Many states, including Florida, have enacted special laws designed to curb this type of behavior. You need an attorney who understands the nature of insurance claims, and how best to fight against the companies that deny them.
Miami’s economy is strongly focused on tourism and hospitality, with an enormous maritime component including shipping and cruising. The city is also continually growing, and interacting with your fellow citizens could raise questions about your coverage.
At Morgan & Morgan, our insurance dispute attorneys are very experienced in helping clients recover benefits they’re entitled to. Your insurance company might have immense resources making it difficult for you to take them on, but so do we. Our Miami team is ready to fight for you and get justice. Fill out our free, no-risk case evaluation form to learn more.
The Concept of Bad Faith
Key to pursuing any denied insurance claim is the concept of bad faith, which can manifest in a variety of ways, including:
- Ignoring claims or other communications for policyholders;
- Denying claims without conducting an investigation;
- Misrepresenting the coverage the insured’s policy provides;
- Failing to provide a basis for claims denial;
- Failing to promptly inform the insured that additional information is needed to adjust a claim; and
- Denying a claim or failing to promptly adjust a claim without a reasonable basis.
Some insurance companies will do everything in their ability to deny you coverage, even for the most minor of charges. After years of faithful payments, some of these might get deployed against you.
Your Protections From The State
The state of Florida provides individuals with extensive rights protecting them from these bad faith actions, but the federal government also provides a series of protections against bad faith on the part of insurance companies. Morgan & Morgan is committed to helping our clients resolve insurance claims in a variety of practices, such as motor vehicle accidents, homeowner’s insurance, natural disasters, and business property losses.
Hiring a Competent Miami Insurance Claim Attorney
When it comes to insurance companies, Florida’s bad faith law can be a powerful tool in the quest to make companies accountable for their adjustment practices, which often end unfairly for claimants. But the law is also very complex, making it difficult to follow procedure when it comes to invoking the law or proving it.
Our Miami attorneys know the ins and outs of bad faith, and have effectively proved it in court numerous times. If you’re ready for justice, fill out our free, no-risk case evaluation form today.