Regardless of the circumstances, the road to recovery after an injury can be long and stressful. But the journey may become a lot more difficult if your insurance company denies or undervalues the compensation you deserve.
After suffering an accident or injury, individuals and families need the support of their insurers to pay for medical bills, lost wages, and other costs related to recovery. However, sometimes insurers will deny claims unjustly, leaving victims without the compensation to which they are entitled, and which they often desperately leave.
Unjustified denial. If your claim has been denied for no apparent or just reason, you may be able to file a claim of bad faith against your insurance company.
Unjustified delay. Bad faith insurance companies often fail to confirm, deny, or pay claims within a reasonable period of time. They may also fail to respond to a time-limit demand.
Lack of communication. Your insurer has a responsibility to inform you of important information about your claim and notify you of decisions in a timely manner. If insurance representatives ignore your inquiries or keep you in the dark about their decisions, they may be acting in bad faith.
Failure to conduct a proper investigation. Insurance companies may use deceptive, unlawful, or immoral techniques to investigate your claim. In some situations, bad faith insurers may deny your claim before conducting any kind of investigation.
Unreasonable requirements. Bad faith insurance companies may make unreasonable demands for irrelevant documents and other items in order to delay the process. If you cannot provide these documents, they may try to deny your claim entirely.
Undervaluing. If your insurance company offers you substantially less money to settle than the true value of your claim, you may be able to file a claim of bad faith.
Altering the policy. In some cases, insurance companies may attempt to change or cancel the policy after the claim has been filed. They may cite the new terms as a reason to deny your claim.
Increasing the premium. In response to your claim, bad faith insurance companies may significantly increase your premium after an accident, even if you were not at fault. If insurers raise your premium for unfair or unlawful reasons, you may be able to file a bad faith claim against them.
Threats. In extreme cases, bad faith insurance companies may use threats or scare tactics in an attempt to deter you from making a claim.
When you file a claim with an insurance company, they have a legal obligation to handle your claim in a fair, reasonable, and timely manner. If an insurance company refuses to process your claim fairly, they are acting in bad faith and breaking the law.
If you believe your insurance company may be acting in bad faith, the best thing you can do is to consult with a Florida bad faith insurance lawyer. Your lawyer can help you evaluate your situation and determine whether or not you have a case against your insurance company. Your attorney may be able to help you create a written accusation of bad faith to deliver to your insurer. If your insurer continues to delay your claim, your attorney can help you file a lawsuit and defend your rights in court.
About the Author:
Jeffrey Braxton is a trial lawyer in Fort Lauderdale who has devoted his 15-year career to the practice of personal injury law. As lead trial attorney for The Injury Law Firm of South Florida, Jeff has litigated thousands of cases and is a member of the Million Dollar Advocates Forum, an exclusive group of attorneys who have resolved cases in excess of one million dollars.
Imagine sleeping soundly in bed and then a loud crashing crane comes through your roof. It was a scene that happened this week in North Miami Beach, where a crane that was being used to repair a seawall slid off a barge and struck the roof of a condominium building. [gallery type="slideshow" link="file" size="large" [..]
Car accidents can happen anywhere. Especially where you least expect it. Parking lots, driveways, parking garages, and drive-thrus are well-known for accident scenes. Even your own living room. On Wednesday, August 21st, an accident involving two cars ended up crashing into a Miami Gardens home. One of the drivers was air lifted to a [..]
Dade and Broward county roads are about to become a bit more confusing and request drivers to be more attentive to the road and the scheduled construction plans on the 826 Palmetto Expressway and I-75 throughout August 2019, while making room for a new Express Lane on the 826 Palmetto Expressway. As auto accident attorneys [..]
July 4th tends to evoke backyard barbecues, poolside cocktails, and fireworks at dusk. We usually think of spending this holiday with family, and staying close to home. On the contrary, AAA pegs the fourth as one of their busiest days. Did you know the average distance traveled on July 4th is 617 miles? What’s more, [..]
When most of us think about Fourth of July safety, we think about fireworks. Although improper use of fireworks can cause serious injuries, there’s a less obvious risk: food poisoning. Most Fourth of July celebrations involve outdoor gatherings, with perishable food that’s often brought in by a number of people, some of whom may not [..]
Summer is upon us, and it’s peak swimming pool season in the sunshine state. Although swimming is a great way to cool off and get some exercise, it can also be dangerous. Statistics show three children die every day from swimming pool accidents, and many more people sustain serious injuries. In many cases, these tragic [..]
Memorial Day offers a time to celebrate loved ones lost. It also signals the beginning of another Florida summer which often means road trip! In either case, we all find a reason and a way to cut loose. Unfortunately, these celebrations also lead to an uptick in car accidents. The primary causes? More cars on [..]
Johnson & Johnson has been a trusted name in cosmetics and household products for decades. However, in recent years, they have come under fire for lawsuits that suggest their talcum powder products caused cancer. The company isn’t just paying with a blow to their reputation, either. Earlier this year, a woman in California won $29 [..]
Every summer, Floridians look forward to that much needed break that summer camp provides: the kids to get away from the daily grind of the school year, and you to get a little breathing room from them. Exactly how much of a break would it be, though, if you’re still holding your breath in anticipation [..]
Temperatures are rising and a lot of long weekends are just around the corner. Whether you’re planning to hop in your boat for Memorial Day, the Fourth of July, or other summer holidays, it’s important to stay safe this season. Boating accidents do happen here in Florida, and many can be fatal. In 2017, 658 [..]
Bars and advertisements for alcoholic products often encourage people to “drink responsibly,” but in some cases, the establishments or bartenders serving these drinks may be at least partially liable for a patron’s alcohol-related injury or death. Under certain circumstances, bars can—and should—be held responsible for over-serving patrons. Many states have “dram shop” laws (named [..]
Summertime is quickly approaching, which means barbecues, family vacations, and a lot of days sitting by the pool. While you and your loved ones enjoy the hot summer weather and cool water, it is important to keep yourself safe. In this post we will be focusing on swimming pool injuries and how to prevent them. [..]
Uber and Lyft have really made getting around town a lot easier. The apps are simple to use, the cars are relatively inexpensive, and getting a ride only takes a few minutes. However, as wonderful as Uber and Lyft are for convenience when you need a quick lift, it is important to remember that [..]
The death of a loved one is traumatic and devastating experience— regardless of the cause. However, the ordeal can be especially upsetting if the death could have been avoided had it not been for the negligent actions of another. In Florida, surviving family members and loved ones may be able to recover compensation for [..]
Florida’s summer is well underway, and the hot weather is a perfect excuse to get out on the water. With close to 900,000 registered vessels in the state, chances are that you or someone you know owns a boat and is planning to use it this season. Getting out on a lake or the ocean [..]
Right now, all Florida drivers are required to have car insurance coverage that pays personal injury protection (PIP) benefits, but that may come to an end in 2019 if some lawmakers get their way. Florida currently operates under a “no-fault” system when it comes to paying insurance claims after a car accident. If a [..]
When you become a parent, every little decision regarding your child’s safety and development can become a hot debate. We’re not going to tell you how to raise your child, but we do have one piece of advice backed up with statistics from the AAP and NHTSA. When you are driving with your child, [..]
It’s not every day that you get into an accident and need to file a personal injury protection (PIP) suit. This type of litigation may be confusing to many, especially since PIP laws are constantly being debated and changed in Florida. However, it is possible for you to get through this process and receive [..]
What are your chances of getting hit by someone driving a rental car in Florida? Every year, the state of Florida has 15 million active drivers on its many roads and highways. About 250,000 drivers end up in car crashes annually in Florida. Since almost 85 million visitors come to enjoy Florida every year, [..]
Image: http://pixabay.com/en/dog-man-attacking-canine-training-78117/ When Pets Attack, They Can Cause Serious or Even Fatal Injuries Most people like dogs. How can you resist those adoring eyes, the wagging tail, and the warm, fuzzy head that seems to appear in your lap just when you’re feeling your lowest? So many Americans like dogs, in fact, that [..]