Results may vary depending on your particular facts and legal circumstances. The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
Insurance Attorney in Pensacola
Insurers sometimes delay, underpay, or deny valid claims. We fight to get what you deserve.
Results may vary depending on your particular facts and legal circumstances. The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
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John Morgan’s brother Tim was injured as a teen. Their experience with a lawyer was a nightmare. John spent 35 years building a firm to do better for families like his. And yours.
The attorney featured above is licensed in Florida. For a full list of attorneys in your state please visit our attorney page.
Results may vary depending on your particular facts and legal circumstances.
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Injured and not sure what to do next? We'll guide you through everything you need to know.
Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.
What is Bad Faith?
An insurance contract is predicated on the notion of good faith and fair dealing. Florida insurance companies are well within their rights to request reasonable proof of claims, conduct investigations, and question losses, all potentially leading to denial or limiting of a claim.
However, they cannot engage in conduct with no legitimate purpose, such as unfairly shaving down claims, or discouraging policyholders by making the process so difficult it becomes almost impossible. Some examples of bad faith include:
- 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
- Denying a claim or failing to promptly adjust a claim without a reasonable basis
This list isn’t exhaustive, but it provides some of the most often seen ways insurance companies operate with poor regard for their policyholders.
Florida’s Bad Faith Law
When an insurance company denies or undervalues a claim incorrectly or unfairly, the policyholder may be able to challenge that decision in court and recover the amount they are owed.
But when an insurer engages in the behaviors mentioned above, or denies a claim with no reasonable basis for doing so, Florida's bad faith law defends you from their unsavory behavior by allowing you to claim additional losses.
Hire a Competent Pensacola Insurance Claim Attorney
Florida has complex laws regarding bad faith, making it tough for victims to file claims. An experienced attorney can use bad faith as a powerful tool to hold your insurance company responsible for what they owe to you.
At Morgan & Morgan, our team of knowledgeable attorneys is ready to help fight for you against unfriendly insurance companies. Fill out our free, no-risk case evaluation form to learn more about how they may be able to help.