Were you a victim of bad faith insurance practices in West Palm Beach, FL? Insurance companies in Florida are subject to strict regulations. An experienced West Palm Beach bad faith insurance lawyer at Hollander Law Firm Accident Injury Lawyers can help you fight to recover fair compensation for your losses.
Our lawyers have over 28 years of experience handling complex insurance claims. Over the years, we’ve recovered tens of millions of dollars on behalf of our clients.
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How Hollander Law Firm Accident Injury Lawyers Can Help With a Bad Faith Insurance Claim in West Palm Beach
To many ordinary people, it might seem that insurance companies have all the power. If you’ve ever filed an insurance claim, you know that it can be difficult to get the money you deserve. In reality, insurers have a legal duty to conduct business and deal with their insured clients in good faith. When the insurance company fails to act in good faith, it can be held liable for damages.
Our West Palm Beach personal injury lawyers have decades of experience helping clients navigate the complex insurance claims process. We know the insurance tactics and strategies inside and out–so we can help you determine whether you’ve been a victim of bad faith practices.
When you trust Hollander Law Firm Accident Injury Lawyers with your case, our team will:
- Investigate and gather evidence to support your case
- Hire experts who can help assess your damages
- Protect you from insurance scare tactics and manipulation
- Handle all paperwork and administrative issues
- Negotiate to recover the maximum compensation possible
We won’t back down if the insurance company refuses to play fair. If they refuse an acceptable settlement, our West Palm Beach personal injury attorneys will fight for you at trial. To learn more, call our Avvo-rated lawyers today.
What Is a Bad Faith Insurance Claim?
Florida residents purchase insurance coverage for many different reasons. Sometimes insurance is required, as under Florida’s no-fault insurance laws. In other cases, people buy insurance to protect against specific risks–such as the risk of flooding or developing a health condition.
When you pay your premiums on time, insurance companies have a duty to make a good faith effort to pay claims covered under your policy when you file a claim. Unfortunately, some insurance carriers engage in practices that make it tough to get the money you need.
If the insurance company didn’t have a legitimate reason to deny your claim, you may have a valid insurance bad faith claim.
How Do I Know Whether I Have a Valid Claim for Bad Faith Insurance Practices?
Insurance companies are regulated under Florida’s Unfair Insurance Trade Practices Act. Certain types of dishonest actions are prohibited under the law.
You may have a bad faith insurance claim if the insurance company:
- Denies your claim without providing justification or a legitimate reason
- Fails to investigate your claim in a timely manner
- Misrepresents the facts, including the terms of your policy
- Tries to convince you to accept a reduced settlement based on false statements
- Reduces the value of your claim without justification
- Fails to respond to your questions in a timely manner
- Requests unreasonable amounts of information in an attempt to delay payment
Was your insurance claim denied without explanation? Does it seem like the insurance company is giving you the runaround? Contact our West Palm Beach bad faith insurance attorneys today. We offer a free case review so that you can get the legal advice you deserve without risk.
Can the Insurance Company Ever Deny My Claim?
Insurance companies don’t automatically pay every claim that’s submitted.
It’s possible that the insurance company might have a legitimate reason to deny your claim if:
- The type of risk involved was not covered under your insurance policy
- You did not submit the insurance claim within a reasonable amount of time
- The policy terms specifically exclude the type of injury or damage involved
- There is a legitimate dispute about who is liable
- The person submitting the claim isn’t covered under the insurance policy
- You failed to pay your policy premiums on time
- You did not respond to the insurance company’s requests for additional information
When the insurance company denies a claim, it should provide an explanation. If you believe you were a victim of bad faith acts in West Palm Beach, Florida, our lawyers can help you determine whether the denial was in good faith.
To learn more about an attorney-client relationship, just call our lawyers for a free case evaluation today.
What Is My West Palm Beach Bad Faith Insurance Case Worth?
In addition to proving that the insurance company acted in bad faith, you’ll also have to produce evidence to establish your case value. The value of a bad faith insurance claim will depend on the specific facts of your case.
However, in all cases, it’s important to remember that the amount of compensation you deserve will likely be much higher than the value of your initial insurance claim.
Some of the most relevant factors that we’ll consider when making your demand for compensation include:
- The nature of the harm caused by the insurance company’s actions
- The nature of the insurance company’s actions themselves
- Whether the insurance company acted willfully or negligently
- Your out-of-pocket expenses caused by the bad faith action
- The impact on your physical health and mental wellbeing
- Your inconvenience, considering the time you spent trying to get your claim paid
- Whether you were unable to work because of the insurance company’s acts
Insurance companies know the laws. They also know how much your case is worth and have numerous strategies that they often use to manipulate people into accepting less compensation than they deserve.
Fortunately, our experienced lawyers are here to help you fight back. Just give us a call to learn more about your legal rights today.
What Types of Damages Are Available To Victims of Bad Faith Insurance Practices?
The types of damages available in a bad faith insurance case can vary from case to case. Available damages will depend on the type of insurance involved and the type of harm you suffered because of the insurer’s actions.
Examples of the types of damages you may receive include:
- The cost of repairing additional property damage incurred because the claim was denied
- Interest charges if you paid the costs yourself
- Medical bills that were made necessary because a health insurance claim was denied
- Lost wages
- Attorney’s fees and court costs
- Pain and suffering, emotional distress, and anxiety
- Loss of enjoyment of life
In cases where the insurance company’s conduct was willful or especially shocking, you may even be entitled to punitive damages. These damages don’t compensate for any specific loss. Instead, they’re designed to punish the insurance company for its actions.
We Handle All Types of Bad Faith Insurance Claims in West Palm Beach, Florida
At Hollander Law Firm Accident Injury Lawyers, we handle all types of bad faith insurance claims, including those against:
- Car insurance companies
- Homeowners’ insurance companies
- Renters insurance companies
- Specialized insurance types, including hurricane, flood, mold, or wind insurance
- Health insurance companies
- Life insurance companies
- Property insurance companies
- Boat insurance companies
- Medical malpractice and legal malpractice insurance companies
- Commercial and business insurance companies
- Workers’ compensation insurance companies
Bad faith insurance claims can be first-party claims or third-party claims. The claim is classified as a first-party claim if the claim is against your own insurance policy. It’s a third-party claim if brought against someone else’s insurance carrier. For example, you may have a third-party claim against a negligent driver’s insurance company if that driver was responsible for your accident.
It’s never too early to take legal action. If you have questions about your rights under an insurance policy, our lawyers are here to help. Just give us a quick call for a free initial consultation today.
How Long Do I Have To File a Bad Faith Insurance Lawsuit in Florida?
Timing is always important when you’re considering legal action. Bad faith insurance lawsuits are different from typical personal injury cases.
Victims of bad faith insurance practices must give the insurance company 60 days’ notice before filing a lawsuit under Florida insurance laws. During that 60-day period, the insurance company is given the opportunity to fix any mistake they made. You can only file a lawsuit after the 60-day notice period is over.
If the insurance company refuses to pay your claim or correct its error within 60 days, you have five years to file a lawsuit. You only lose your right to seek compensation after the five-year statute of limitations expires.
Contact a West Palm Beach Bad Faith Insurance Lawyer for a Free Consultation
While insurance companies can and do make honest mistakes, bad faith insurance practices are unfortunately common in the sunshine state. If you believe you were a victim, a West Palm Beach bad faith insurance lawyer can help you understand your options. Call Hollander Law Firm Accident Injury Lawyers to schedule a free consultation to get started today.