Pensacola, FL asked in Insurance Bad Faith for Florida

Q: Can I sue my agent for not trying trying to find a l less expensive company knowing that my premium would be going up

I've been with this agent for 15 years and called 3 different times through during the years for a price check on different companies. I was told by my agent that the company That I was with would be the cheapest. This was not the truth. I decided to go with another agent who pulled a quote $1000.00 less.

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2 Lawyer Answers
Charles M.  Baron
Charles M. Baron
  • Hollywood, FL
  • Licensed in Florida

A: If you didn't actually lose money by paying a higher premium, you are not damaged in any way (other than aggravation) and therefore have no ground to sue. If you did lose money, theoretically, you could sue for professional malpractice (negligence), but for only a $1K difference, it would be far from worth it, and I doubt any attorney would be interested. If you could somehow prove he is doing it intentionally to scam customers AND you actually lost $$, that would be fraud, with both higher stakes civilly and a criminal act, which law enforcement would likely be interested in. Another potential way to seek redress is by contacting the Fla. Dept. of Financial Services - see

(I don't know if they would address that issue.)

Tim Akpinar agrees with this answer

Tim Akpinar
Tim Akpinar
  • Insurance Claims Lawyer
  • Little Neck, NY

A: No damages, no cause of action. A case wouldn't be based on damages that could have been. Good luck

Tim Akpinar

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