If you have ever lived through an accident or disaster in Florida and filed a claim against your insurance policy, you know how complicated the process can be. Not only do you have to file your claim within the time limits specified by your policy, but you also have to navigate potential bad faith by your insurer. Your insurance...
Homeowners insurance is a vital aspect of owning property. Most people know that their policy covers potential damage to their home or personal belongings. Still, many overlook the importance of Section II of a homeowners policy. This section covers personal liability and becomes crucial when someone gets injured on your property. Read on to learn more about your Section...
If you file an insurance claim, the provider may ask you to conduct an examination under oath. While this is a routine procedure, you don’t want to undergo this process without an attorney protecting your rights. Contact Johns Law Group, PLLC, to protect your interests and help you prepare for your examination. What Is it And How to Prepare Most...
Double indemnity is an insurance provision that doubles the payout in specific circumstances, usually in cases of accidental death. A double indemnity clause is a type of provision found in many life insurance and accidental death and dismemberment policies. This type of clause allows for additional payout in the event of an accidental death. However, insurance companies often make...
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...
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...
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...