Insurance is supposed to offer a safety net in times of need, but what happens when the safety net fails to catch you? Dealing with an insurance company that refuses to pay a legitimate claim after suffering personal injury or property damage can be overwhelming and frustrating, but it’s important to remember that you have rights. In Florida, insurance companies are required to act in good faith and pay claims in a timely manner.
If you’re dealing with a bad faith insurance company, there are steps you can take to protect your rights and seek the compensation you deserve. In this article, we’ll explore some key tips for protecting your rights when insurance companies refuse to pay and explain how an experienced insurance attorney can help you navigate this complex legal landscape.
1. Review Your Policy
Before you take any action, it’s important to review your insurance policy to make sure you understand your coverage and the terms of your policy. Make sure you have a clear understanding of what is covered and what is not. If you have any questions about your policy, contact your insurance company or an attorney who specializes in insurance law.
2. Keep Detailed Records
Keep detailed records of all communication with the insurance company, including phone calls, emails, and letters. Write down the name of the person you spoke with, the date and time of the conversation, and a summary of what was discussed. This information can be valuable if you need to escalate your claim or take legal action.
3. Understand Your Rights
As a policyholder, you have rights under Florida law. Insurance companies are required to act in good faith and deal fairly with their policyholders. They are also required to pay claims in a timely manner. If an insurance company fails to live up to its obligations, you may be entitled to file a complaint with the Florida Department of Financial Services or take legal action.
4. Get Legal Help
If you are having trouble getting your insurance company to pay your claim, it may be time to seek legal help. An experienced insurance attorney can review your policy, assess the situation, and help you understand your options. They can also negotiate with the insurance company on your behalf or represent you in court if necessary.
Insurance companies may deny claims for various reasons, including policy exclusions, failure to disclose information, late payments, disputed liability, and insurance fraud. If your insurance claim has been denied, you can take steps to protect your rights, including reviewing your policy, gathering evidence, filing a complaint, and considering legal action. Dealing with an insurance company that refuses to pay can be frustrating and overwhelming. However, by understanding your rights, keeping detailed records, and seeking legal help if necessary, you can protect your rights and get the compensation you deserve.
Contact Lawlor, White & Murphey Today For a Free Consultation About Your Florida Bad Faith Insurance Case
At Lawlor, White & Murphey, we understand how frustrating it can be to deal with an insurance company that refuses to pay a legitimate claim. Our experienced attorneys are dedicated to helping our clients fight back against insurance companies and recover the compensation they deserve. With a proven track record of success, our firm has established a reputation for providing compassionate, personalized service to each and every one of our clients. We understand that every case is unique, which is why we take the time to listen to your story and craft a strategy tailored to your specific needs.
When you choose Lawlor, White & Murphey, you can rest assured that you have a team of skilled litigators on your side who will fight tirelessly to protect your rights. We are committed to providing our clients with the highest level of legal representation, and we will not rest until we have secured the compensation you are entitled to. If you are dealing with an insurance company that has refused to pay your claim, don’t give up hope. Contact us today to schedule a free consultation and let us help you fight back. With Lawlor, White & Murphey on your side, you can take the first step towards securing the justice you deserve.