When you are injured in a car accident or suffer significant property damage, you rely on your insurance company to uphold its end of your shared contract. As a policyholder, you expect that you will be able to receive the benefits you pay for—but what happens with the insurance company disputes or denies your claim?
If you are experiencing any issues with your insurance company, including delayed payments or disputes, you could have grounds for legal action, and Nance Cacciatore can help. For nearly 60 years, our firm has been fighting for the rights of people who have suffered serious injuries and property damage throughout Brevard County and all of Florida. Our Melbourne insurance dispute attorneys can help you understand your legal options during a free, no-obligation consultation.
Get in touch with us today at 321-777-7777 or submit an online contact form to request a complimentary consultation today.
The short answer is yes, you can file a lawsuit against an insurance company when it fails to act in “good faith.” In other words, if your insurance company violates the terms of your policy, known as “acting in bad faith,” you could have grounds to take legal action against them.
Common examples of insurance bad faith practices include:
Your insurance company has a responsibility to follow the terms of your policy, act in good faith, and refrain from engaging in unjust or wrongful trade practices. If you believe your insurance company is disputing or has denied your claim unfairly or improperly, we encourage you to reach out to our Melbourne insurance dispute lawyers at Nance Cacciatore right away to learn how we can help.
While there are no set rules regarding how long the insurance company has to offer a settlement, nor how long you have to accept that offer, settlements must generally be offered and accepted or rejected within a “reasonable period of time.” What is considered a “reasonable period of time” differs depending on the type of claim, as well as the various unique factors involved, such as the length of the investigation, the available and applicable evidence, documentation, and more.
If your insurance company offers a settlement and you accept, they have 20 days to pay the claim. If they fail to pay within 20 days, the insurance company owes the claimant 12% annual interest.
When it comes to personal injury protection (PIP) claims, Florida law is clearer regarding various deadlines for both claimants and the insurer. To learn more about filing a PIP claim in Florida and the various rules involved, click here.
There are several ways to resolve a dispute with your insurance company. The process largely depends on the type of claim you have filed, as well as the reasons for the dispute or claim denial. In any case, having an attorney on your side can make a major difference in the outcome of your case. An attorney, like those at Nance Cacciatore, can help you navigate the process of resolving your insurance dispute and handle all the details while you focus on getting necessary medical care, repairing your property, and moving forward with your life.
At Nance Cacciatore, we can assist you in working to resolve your insurance dispute by doing the following:
We have extensive experience representing clients in all types of insurance claim disputes, including those involving:
We understand how stressful it is when your insurance company disputes or denies your claim, which is why we work as quickly and efficiently as possible to resolve the issue and help you work to recover the rightful benefits you are owed.
If you need help with an insurance dispute, denied claim, delayed payment, or any other insurance-related matter, do not hesitate to reach out to our Melbourne insurance claims attorneys for a free initial consultation. We provide our legal services on a contingency fee basis, meaning you do not owe us anything unless/until we recover compensation on your behalf.
We are happy to answer your questions and provide more details regarding your various legal options. From our office in Melbourne, we serve clients in and around Brevard County, as well as across the state of Florida.