An insurance dispute arises when an insurance company and a policyholder or someone to whom the policy provides coverage (e.g. claimant), do not agree on the terms of the insurance coverage or how a claim under the policy should be handled. The insurance company may deny a claim outright, offer less than the claimant believes his or her damages are worth or delay processing a claim without a valid explanation.
Insurance companies do not always have your best interest in mind. If your insurance company cancelled your policy without notice or failed to make payment according to the terms of your policy agreement, you may have fallen victim to insurance bad faith. When an insurance company fails to fulfil its duty to investigate or process a claim in good faith – in other words does not handle the claim with fairness and honesty - either through poor business practices or an overt attempt to save money at the expense of the policy holder or claimant, there may be a claim for bad faith against the company.
It is often necessary to have the legal terms and provisions of an insurance policy analyzed by an attorney in order to adequately advise you of your rights under the policy. The attorneys at Donna B. Michelson, PA will fight for your right to receive the insurance benefits you deserve. We will contact your insurance company and demand they honor the terms of your insurance coverage. We document the legal basis of your claim to the insurance adjuster and then should it become necessary, we will file a complaint with the Florida Division of Consumer Services referred to as the Civil Remedy Notice of Insurer Violation. This notifies the insurance company of your intent to pursue your statutory civil remedies as a result of their bad faith in handling your claim.
Our firm represent clients in insurance disputes associated with the following policy types: