Are you struggling with an Insurance Claims Dispute?
Our insurance claims lawyers in Jacksonville can help you determine whether an insurance carrier has acted in “good faith and fair dealing.” Insurance policies are contracts between an insurance company and the individual or business that purchased the policy. When insurance companies refuse or fail to pay a claim that is within the terms of a policy, the policyholder has a right to file suit against the insurance company to recover their losses. Successful suits often result in payment by the insurance company in an amount that is equal to the terms of the policy.
Florida Insurance Lawyers
In some cases, additional compensation may be awarded to cover additional damages and losses created by the breach of the contract and the necessity for legal action. While many law firms are hesitant to confront large insurance companies, our insurance trial attorneys have the commitment, experience and resources to successfully represent clients in this type of case. Our attorneys have obtained outstanding outcomes for clients related to homeowner policies (fire, storm damage, etc.) and motor vehicle insurance (truck and automobile accident-related claims).
We have also successfully handled cases involving disability, health and life insurance claims. With unwavering concern for the best interests of our client, we go the distance to bring the case to a favorable conclusion, whether by trial or settlement.
“Good Faith and Fair Dealing”
All insurance policies contain an implied obligation of the insurance company to render “good faith and fair dealing” towards its insured. This obligation means that when a claim is made, an insurance company cannot simply look for reasons not to pay. Instead, they are required to make a thorough investigation of the claim and to consider all the reasons and circumstances that might support the claim. Some of the behaviors engaged in by insurance companies that result in legal action being initiated by the insured include:
- Unreasonable delays in claim processing
- Refusing to pay claim or offering a discounted payment
- Requiring excessive documentation or verification of a claim
- Delays due to switching adjusters during the claim process
- Requiring multiple adjusters or multiple quotes
- Requiring the insured to resubmit claims information
- Requiring information on previously established circumstances
- Failure to pay a claim when a judgment is made against the policy
- Fraud or misrepresentation related to appraisals or adjustments
When an insurance company refuses to pay a claim that is within the terms of the policy, denies a claim without adequate investigation, or offers a settlement in an amount that is less than it knows the claim is worth, this may give rise to what is known as a “bad faith” claim by the insured (a claim that the company has breached its obligation for “good faith and fair dealing”). If an insurance company has denied your claim, our insurance trial lawyers can help you determine the best course of action for recovering a fair compensation.
Protecting Your Rights for a Fair Insurance Claims Settlement
One example of our work in this area of the law is our representation of a Florida family who was in a dispute with their insurance company related to their claim for hurricane storm damage.
We investigated and reached a confidential settlement favorable to our clients. Additional information: