When you buy insurance, you probably assume you will get the benefits you paid for the in the event of a claim. Unfortunately, this is not always the case. Insurance companies are always happy to receive your premium payments, but sometimes they are not quite as eager to pay claims. If you purchased insurance and your claim was denied, you may need a lawyer to fight for the insurance benefits that you purchased.
Insurance disputes arise in many ways. An insurer may not offer fair value for property damage under a homeowner's or an automobile policy. Sometimes, an insurer denies a claim because it claims that the policyholder intentionally caused a loss. In fact, we have handled several cases in which the insurer asserted that our own client purposefully set fire to their property. Some claims are denied because the insurance company claims it did not receive a premium payment on time.
With life and disability policies, after the insured has died or become disabled, sometimes an insurer will refuse to provide benefits by claiming that the person was not truthful when disclosing prior medical problems on the insurance application. It is also common to have a dispute with an insurer about whether an insured person is actually disabled.
As with any purchase, consumers should do their research before buying an insurance policy. Because insurance disputes are typically resolved based on the language contained in the policy, make sure you fully understand the details of the policy and thoroughly understand your obligations as well as your rights.
If you find yourself in an insurance dispute, hiring an attorney with experience in insurance litigation and the nuances of interpreting insurance policies is a must. The Jacksonville insurance lawyers at The Lawrence Law Group have successfully represented clients in many different types of insurance cases, including automobile insurance; life insurance; homeowner's insurance; credit disability insurance; health insurance; and disability insurance.
Often, clients can hire us to pursue an insurance claim at no cost to them. This is because the Florida statutes provide that if a person sues his or her own insurance company and prevails, the insurer has to pay that person's attorney fees and costs for having to bring the lawsuit.
Many times, we are able to win insurance dispute cases without having to go to trial. In Florida, the interpretation of a contract, such as an insurance policy, is the role of the judge and not a jury. In addition, Florida law provides consumers with relief in the event the insurance policy is not clear whether it covers a certain type of loss. When a policy is ambiguous, with one interpretation providing coverage and a second interpretation providing no coverage, Florida law resolves that dispute by providing for coverage.
Our Jacksonville insurance lawyers will be happy to consult with you at no cost to discuss your insurance dispute. If we accept your case, you do not have to pay us anything unless we make a recovery for you. Our lawyers handle insurance disputes in: Jacksonville, Orange Park, Clay County, Duval County, Putnam County, Union County, Nassau County, Baker County and St. John’s County. Please let us know if we can help.