Understanding how to prove a bad-faith insurance claim is crucial if you feel your insurance company handled your claim unfairly. To successfully argue a bad faith claim in Florida, you must demonstrate that the insurance company is responsible. Examples include intentionally denying or delaying valid benefit payments. Simply rejecting or denying a claim doesn’t necessarily constitute bad faith claims...
Passengers on cruise ships often find themselves in a new and unfamiliar environment. Cruise ships are in many ways floating cities with a large number of unique risks caused by its status as a vessel in navigation as well as providing accommodations to several thousand people in tight quarters. Cruise ships often have wet or slippery substances that passengers...
As a responsible person, you make sure you are properly insured in the event that you are involved in an automobile accident. Sadly, many individuals are not so responsible and often operate their vehicle with either no insurance or inadequate coverage. Fortunately, your automobile insurance policy may provide coverage for accidents caused by uninsured or underinsured motorists. UM/UIM coverage...
In Florida, insurance companies have a duty to promptly investigate your claim and respond to it in a reasonable manner. They also must not violate any portion of the Florida Unfair Trade Practices Act and must have a solid justification for the payments they pay out. Unfortunately, not all insurance companies comply with Florida Law. You might have a bad faith...
Many insurance companies collect enormous fees for decades, but when it comes time for them to pay, they do not want to fulfill their end of the bargain. Under the best circumstances, dealing with insurance companies after a catastrophic loss is difficult. Things can go downhill fast when they fight you at every step of the claims process and...
Many individuals are dependent on certain medication, treatments, or procedures for survival. This may be a chemotherapy drug, or surgery. But what happens if your health insurance company denies or suspends medical treatment that is not only necessary, but essential to your survival? Sadly, this is a scenario that we have seen play out before. Why Are Essential Medical...
Between May 26 and 27, 2023, the Carnival Sunshine transported more than 3,000 passengers from the Bahamas through a major storm system en route to Charleston, South Carolina. Carnival’s decision to transport passengers through the storm was made after receiving reports from the National Hurricane Center advising of gusty winds and other dangerous conditions off the Southeastern coast of...
Long-term disability benefits are typically paid each-month for a contractual period normally lasting somewhere between 5 and 10 years. While having your claim accepted is a relief, you may not be looking forward to relying on the insurance company in the years to come to pay your benefits each month. Some common concerns include the following: These are all...
On April 12, 2023, Fort Lauderdale, Hollywood, Dania Beach, and the surrounding areas were inundated with 26 inches of rain in what has been called a 1000 year rain event. The rain caused numerous people to be stranded, homes to be flooded, and substantial damage to numerous automobiles. Broward County schools were closed for multiple days and for several...
Hurricanes are unfortunate for many people living on the Gulf Coast in Louisiana and Texas. When a hurricane strikes, your house and surrounding property are at risk for severe damage. It’s essential to know the coverage on your insurance policy and what steps are needed to file an insurance claim after a hurricane. After a hurricane, an insurance claim...