Did an insurance company wrongfully deny your claim in Jacksonville, FL? Insurance companies in the state of Florida are subject to strict regulations. An experienced Jacksonville bad faith insurance lawyer at Baggett Law Personal Injury Lawyers can help you determine whether you’re entitled to seek compensation.
Collectively, our lawyers have over 50 years of experience holding insurance companies accountable. Over the years, we’ve recovered tens of millions of dollars to help our clients get back on their feet again.
How Baggett Law Personal Injury Lawyers Can Help With My Bad Faith Insurance Claim in Jacksonville
Insurance companies sometimes try to take advantage of people who submit claims. After all, you probably don’t have much experience handling insurance claims – and you might not know where to turn if the insurance company fails to hold up its end of the bargain.
Our Jacksonville personal injury lawyers at Baggett Law Personal Injury Lawyers can help you level the playing field.
We’ve been recognized by Super Lawyers and the National Trial Lawyers. We also won the Martindale-Hubbell 2021 Platinum Client Champion Award – the highest possible award for client service.
We can help by:
- Determining whether you have a valid case
- Gathering evidence to prove that the insurer acted in bad faith
- Hiring expert witnesses when necessary
- Negotiating to recover the maximum compensation you deserve
Insurance companies know the law inside and out. You deserve a personal injury lawyer in Jacksonville who can help you fight back. Our lawyers have been serving Jacksonville, FL for decades, so give us a call to see how we can help.
Overview of the Bad Faith Insurance Laws in Jacksonville, FL
Insurance is there to protect you when things go wrong. Sometimes, you’re required to purchase insurance coverage to cover certain risks. For example, all drivers in Florida are required to purchase car insurance.
An insurance policy is a contract. The insurer agrees to pay covered claims in exchange for premium payments. If you pay your premiums on time, the insurance company has to pay unless they have a legitimate reason to deny your claim.
“Bad faith” is the term used to describe situations where the insurance company refuses to pay legitimate insurance claims.
How Do I Know Whether I’ve Been a Victim of Bad Faith Insurance Practices?
It can be tough for the average person to know whether the insurance company has committed a bad faith insurance practice. Our top-rated Jacksonville bad faith insurance attorneys are here to help.
Certain acts are prohibited under Florida’s Unfair Insurance Trade Practices Act.
You may be entitled to seek compensation if the insurance company:
- Fails to investigate your claim in a timely manner
- Denies your claim without providing a legitimate reason
- Fails to communicate about the claim or answer your questions
- Denies a request for information or documents
- Reduces the value of your claim without a legitimate explanation
- Misrepresents the facts to convince you to accept a lowball settlement
- Changes the claim without your knowledge and attempts to settle the claim
- Misstates or misrepresents your policy terms
- Changes your insurance policy’s terms after you submit a claim
- Pressures you not to hire an attorney
You may be entitled to compensation whether you’re dealing with your own insurance company or with a third party’s insurance company after an accident.
Our lawyers can help you cut through the red tape and find out what happened. If the insurance company denied or undervalued your claim, give us a call for a free case evaluation today.
Does the Insurance Company Have Grounds to Deny My Claim?
There are situations where an insurance company may have legitimate grounds to deny your claim or delay your payment. Insurance companies are only required to act in good faith. That doesn’t mean they must hand over a check for every claim they receive.
For example, the insurance company might legitimately deny your claim if:
- The risk isn’t covered under your insurance policy
- There is an ongoing coverage dispute about who is liable
- The insurance policy doesn’t cover the person submitting the claim
- You failed to pay your policy premiums
- You failed to submit the insurance claim within a reasonable amount of time
- The policy excludes the type of injury, accident, or damage involved
- You fail to provide additional information that the insurance company requests
Insurance companies can also delay payment if they need additional time to investigate, assess the value of your claim, or discuss the case with experts.
We Handle All Types of Bad Faith Insurance Claims in Jacksonville
Regardless of your situation, our Jacksonville bad faith insurance attorneys at Baggett Law Personal Injury Lawyers can help.
We often handle bad faith insurance claims that are brought against:
- Homeowner’s insurance companies
- Car insurance companies
- Health insurance companies
- Property insurance companies
- Specialized insurance carriers, including those involving flood, mold, or wind insurance
- Boat insurance companies
- Medical malpractice and legal malpractice insurance carriers
- Commercial and business insurance companies
- Workers’ compensation insurance companies
Was your insurance claim in Jacksonville denied? Do you suspect the insurance company is trying to avoid paying? Call our law firm to schedule a free case review as soon as possible. We can help you determine whether you have a valid claim for compensation.
What is My Jacksonville Bad Faith Insurance Case Worth?
Determining whether you have a valid bad faith insurance lawsuit is only the first step. To recover fair compensation, you’ll also have to know how much your case is worth.
Some factors that can influence your case value include:
- The damage you’ve suffered because the claim was delayed or denied
- The nature of the insurance carrier’s acts
- The amount of time that has passed since you submitted the claim
Did the insurance company deny your claim or delay your payment without justification? You may have a valid claim for compensation. Give us a call today to learn more.
What Types of Compensation Are Available to Victims of Bad Faith Insurance Practices in Jacksonville?
Bad faith insurance practices can have serious consequences. Under Florida law, you’re entitled to seek fair compensation to cover your losses.
Types of compensation that may be available in a successful bad faith insurance case include:
- The initial benefits you sought under your insurance policy
- Additional damages caused by delays in providing compensation
- Interest charges incurred because the claim was denied or delayed
- Attorneys’ fees and court costs
- Pain and suffering damages
- Punitive damages
The nature of your damages will depend on the type of insurance policy involved. For example, in property damage cases, your property might sustain additional damage because you were unable to make necessary repairs without the insurance money. If your health insurance claim was wrongfully denied, you could experience a worsened health condition because you could not obtain quality medical care.
Regardless of the facts, you can count on our bad faith insurance lawyers in Jacksonville to fight for every dollar you deserve. Call for a free case review today to learn more about your legal rights and options.
What Do I Have to Prove to Recover Damages for Bad Faith Insurance Practices in Florida?
Like any negligence case, you’ll have to establish a few different things to recover compensation for bad faith insurance practices.
Specifically, you’ll have to prove:
- You had a valid insurance policy
- Your claim was covered under the terms of the policy
- You followed the terms of the policy, including time limits
- The insurance company failed to act in good faith
You’ll need evidence to prove that the insurance company acted without justification. Our lawyers can help locate the evidence you need to prove your case, so give us a call for a free consultation today.
How Long Do I Have to File a Bad Faith Insurance Lawsuit in Florida?
Under Florida insurance laws, victims of bad faith insurance practices must first give the insurance company 60 days to fix their mistake. You can’t file a lawsuit until after this 60-day “cure” period is over.
If the insurance company doesn’t take action to fix their mistake after 60 days, you can file a lawsuit. While most accident victims are subject to a four-year statute of limitations, Florida courts have clarified that you have five years to file a bad faith insurance lawsuit.
Bad faith insurance lawsuits can be extremely complex. While five years may seem like a long time, it can take time to build your case. Your insurance policy itself may contain additional limitations. To improve your chances of success, it’s a good idea to speak with an experienced lawyer as soon as you suspect something is wrong.
Contact a Jacksonville Bad Faith Insurance Lawyer for a Free Consultation
Is the insurance company threatening to deny your claim or pressuring you to take a lowball settlement offer? You may have a valid claim for compensation. Call an experienced Jacksonville bad faith insurance lawyer at Baggett Law Personal Injury Lawyers to learn more about your legal options today.