Making a claim with your insurance company can feel like a gamble. You hope that the insurer will act in good faith and pay the claim, especially if you’ve been paying your premiums on time. However, insurance companies have proven far too often that they put profits over their policyholders, leaving you without the money you need to replace your car, repair your home, or meet your living expenses as a disabled individual.
The MIC Firm is committed to holding insurance carriers to their word. When they fail to investigate a claim or deny valid claims without providing a clear explanation (or any explanation at all), a Florida insurance lawyer at our firm can help you take legal action. We represent policyholders in the following areas:
- Life insurance
- Property damage
- Health insurance
- Disability insurance
- Insurance coverage
Our Florida insurance lawyers have negotiated and litigated many denied claims against major insurance companies. If you have filed a claim and believe that your insurer may be acting in bad faith, the MIC Firm has the skill, experience, and proficiency to fight for the money you deserve.
We can help you with cases like the following:
- Payment disputes or claim denials
- Litigation of disputed or denied claims
- Insurance bad faith claims
Please contact us today for a free no-obligation consultation.
Florida Property Damage Claims
In Florida, people and businesses spend an exorbitant amount of money on premiums to protect their property from damage caused by no fault of their own. Sadly, many property insurers are more interested in fighting claims than resolving them in a timely manner. For a policyholder, the impact of a delayed, denied, or underpaid claim can be devastating because it prevents you from getting back to normal.
The attorneys at My Insurance Case has assisted policyholders with all sorts of claims including:
- Water loss
The attorneys at the MIC Firm are well experienced in helping policyholders maximize their claims. Florida law offers substantial protections to policyholders who are victims of bad faith insurance adjusting practices. These protections include the recovery of attorney’s fees and potential recovery of additional damages. We have had many property insurance cases in which we have recovered more than 10 times the original amount paid.
Florida Life Insurance Claims
Many people believe receiving a payout on a life insurance claim is simple. However, life insurance disputes arise in a number of situations. Sometimes your insurance company claims there was a misrepresentation in the policy application. Other times, a person may make a competing claim to the death benefit. The reasons for competing claims are extensive:
- Lack of capacity to designate a beneficiary
- Impact of a divorce
- Ineffective beneficiary change
- Secret trust
- Misuse of community or marital property
- Violation of a property separation agreement, will, or trust
- Failure to pay premiums or comply with policy requirements
No matter the reason for the dispute, the attorneys at MIC Firm have represented many life insurance claimants to successful outcomes in their claims. We understand that having to fight a life insurance claim after the death of a loved one is stressful. Our goal is to take away the stress from the situation.
Florida Health Insurance Claims
Policyholders often have trouble understanding how their health insurance covers treatments and procedures, which makes it easy for providers to wrongfully deny claims. Sadly, too many patients discover that their insurance company will not honor its commitments under the policy and approve the medical treatment that their healthcare professionals recommend.
At the MIC Firm, we understand the importance of receiving appropriate health care in a timely manner. A Florida insurance lawyer on our team will aggressively pursue the health insurance coverage promised by your policy and the law.
Florida Long-Term Disability Insurance Claims
When you’ve been paying your monthly premiums, you naturally assume that getting long-term disability benefits should be straightforward. Unfortunately, this is not always the case: insurance companies routinely deny disability insurance claims to deserving applicants. Even if they don’t outright deny your claim, they can delay the process by asking for unnecessary documentation and taking too long to start paying.
If you suffer a long-term disability, a Florida insurance lawyer can help you fight for the benefits you need to live and maintain financial stability for your family. We are familiar with the tactics some insurers use to protect their bottom lines and will use these insights to advocate for you.
Florida Claim Payment Deadlines
In Florida, the deadline to pay a claim depends on the type of claim that has been made. An insurance company must make a decision to accept or deny a property insurance claim within 90 days. Once a decision has been made, the claim must be paid within 20 days. By law, a delayed or underpaid claim is subject to an interest penalty of 12% per year along with attorney’s fees.
Florida’s prompt payment statute requires health insurance providers to decide on claims quickly and pay them out in a timely manner. With electronic claims, your insurance company has up to 90 days after receipt to either accept and pay or deny your claim. If they fail to do so within 120 days of receiving it, then they are obligated to pay it by Florida law, and they no longer have the right to contest it. (With paper claims, this deadline is 140 days.) If your insurer fails to handle your claim during these statutory time frames, the MIC Firm can help you enforce your rights.
Florida Bad Faith Insurance Lawyer
In Florida, insurance providers owe their policyholders a duty to handle their claims fairly and in good faith. There are two types of bad faith claims. The first is the breach of the duty of good faith that is implied in every insurance contract. The second is statutory bad faith as defined by Florida’s Unfair Claim Practices Act. The steps to establishing a bad faith claim are complex. Florida law often requires you to provide notice to the insurance company of its bad behavior prior to filing a lawsuit. If you believe your insurance company has acted in bad faith, you should consult with an experienced insurance lawyer.
Examples of bad faith actions include:
- The insurer denies or delays payment without good cause.
- After being notified of a covered claim, the insurer fails to acknowledge and respond promptly.
- The insurer denies a claim without a proper justification.
- The insurer fails to properly investigate the claim or acts in a frivolous manner.
- The insurer tries to settle claims on the basis of a policy that has been altered without the policyholder’s knowledge or consent.
These are only a few of the many ways in which an insurance provider might be acting in bad faith. A Florida insurance lawyer can help you understand your rights in this particular area and take action if your insurer fails to deal with you fairly.
Why Should You Hire a Florida Insurance Lawyer?
A lot of people struggle to receive fair compensation after filing an insurance claim for health care, disability benefits, or property damage. When it comes to claims, insurance companies are often more interested in strengthening their bottom line than treating their policyholders fairly.
This is why you may benefit from hiring a Florida insurance lawyer to handle your claim. A lawyer will be your tireless advocate, as opposed to the insurance company, which will do everything in its power to reduce or deny your claim.
At the MIC Firm, our Florida insurance lawyers have years of experience helping clients access the money and benefits that they rightfully deserve. We can help you file your original claim, negotiate with the insurer, and appeal an unjust denial. In addition, we also take cases from those who have fallen victim to bad faith insurance practices and need help getting justice.
Get a Free Consultation From a Florida Insurance Lawyer
Your insurance policy is a legally binding contract, and when the coverage you paid for is delayed or denied by the carrier, it can put you in a difficult financial position. At the MIC Firm, we have been protecting the rights of policyholders for years and will demand that the insurance company honor the terms of its agreement with you. If your legitimate insurance claim has been questioned or denied, contact us today for a free initial consultation.