Tampa Insurance Dispute Attorney
Insurance companies spend billions of dollars every year attracting new customers to pay premiums for various types of coverage. These ads portray the companies as compassionate and always there for their policyholders. However, the truth is many of these companies are looking for ways to deny or reduce payment of your claim. Insurance disputes are common, even between policyholders and their carriers. When you are fighting with an insurance company over coverage on your own policy, you need an experienced Tampa insurance dispute attorney who can help.
At Moore Law, we have nearly 30 years of experience with personal injury claims and insurance disputes. We’ve seen all the tricks and tactics insurance companies use to deny or undervalue claims, both in third-party and first-party claims. If you believe your insurance company is mistreating you, it’s best to speak with our office to determine whether you have a valid claim.
What Are Insurance Disputes?
Insurance disputes typically involve a policyholder and their own insurance claim due to a claim filed by the policyholder. Disputes can arise concerning auto insurance, homeowner insurance, medical insurance policies, etc. Examples of conflicts include:
- Insurance company refusing to pay your claim based on the cost of your damages being too high
- Denying your claim for compensation claiming there is no coverage for this under the terms of your policy
- Disagreeing over the type of medical treatment you are receiving or what the necessary repairs are to your home or vehicle
Unfair Claims Practices
Florida law prohibits unfair claims practices by insurance companies. What that means is when your insurance provider unreasonably delays or unfairly denies your claim, it could violate local laws. They have a duty under the law to investigate your claim promptly and notify you of their decision. If they deny your claim, you must receive a letter in writing that describes the reason for denial.
Examples of unfair claims practices that are not allowed under Florida law include:
- Altering your policy without your consent or knowledge
- Misrepresenting facts or details with the intent to get you to settle your claim for less than its true worth
- Denying your claim without a proper investigation first
- Refusing to settle your claim in good faith
- Not notifying you that they need additional information to process your claim
- Misrepresenting details and coverage aspects of your policy
- Requesting information with no clear explanation as to what they need or why they need the information
When the insurance company is unfairly delaying or denying your claim, it can be bad faith. You have a right to present a claim and hold your insurance company liable for your damages and the coverage you’re entitled to receive.
Contact a Tampa Insurance Dispute Attorney
When disputing a claim with your insurance company, there may be strict deadlines you need to adhere to, especially if you plan to file a complaint with the Florida Department of Financial Services. When you go through the FDFS complaint process, you need a legal advocate who knows how the system works. The Tampa insurance dispute attorneys at Moore Law are here to help. We have the skills and necessary experience to help you through this process. To learn more, contact our office today to schedule a consultation.
