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Florida Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith for Florida on
Q: I feel like my insurance company is reading the terms of its contract in an unreasonable way when the language seems

super straightforward to me. What can I do to fight them?

Tim Akpinar
Tim Akpinar
answered on Oct 5, 2018

I do not practice in Florida, but your question remains unanswered for three weeks. The facts here don’t indicate whether this is an auto, homeowner, or other type of claim. If the insurance carrier has issued a denial, you could show it to an attorney, together with all your information about... View More

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Does the insurance co of other driver required to tell me their insurance was lapsed when I’m filing a claim with them?

I called to report the accident through the other driver that ran a red light and hit me. Called my ins and then called the other driver. They told me their driver has not filed a claim yet and asked what happen. No where in there during the entire conversation did they say his ins lapsed and he... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Sep 29, 2018

Did the insurance company tell you to go to the $1K/ visit doctor?

2 Answers | Asked in Personal Injury, Car Accidents, Insurance Bad Faith and Insurance Defense for Florida on
Q: Rear ended on the hwy in Florida totaled car/Insurance wants to pay 5dys rental/plus car.What are we owed?! It's 21days?

Hi on Aug 1 my husband was driving our Unregistered but insured in California SUV on the hwy in Florida when we got rear ended by a careless driver/Police report. We have major bumper damage as well as frame etc.I was taken to the hospital by ambulance/checked out and released..Insurance delayed... View More

Camille Brooks Ibrahim
Camille Brooks Ibrahim
answered on Aug 21, 2018

Feel free to contact our Miami Location at 305 405-5372 and ask for Sarah or Kathryn, I believe they can discuss potential further options for you.

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1 Answer | Asked in Workers' Compensation, Civil Rights, Insurance Bad Faith and Insurance Defense for Florida on
Q: Workers Comp case Nurse Wants To Go in with me to my appointed Doctor's Appointment. Is she allowed?

Injured 2 years ago and still receiving treatment and therapy. I have a followup appointment with the doctor and the assign case nurse called me telling me she was going to be with me on my next followup appointment. Is this someting they could do?

Anna Katherine Stone
Anna Katherine Stone
answered on Jul 25, 2018

Workers' Comp can assign a Nurse Case Manager to your file. We refer to them as the NCM. The NCM can meet with your doctors with or without you present. However, as a matter of practice, I send a letter to the carrier and NCM (if one is assigned) advising them I represent the claimant and... View More

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Someone told me I could go after a person's homeowner's

insurance if they fell on me at a concert and i broke my leg - is that true?

Stephen Arnold Black
Stephen Arnold Black
answered on Jun 15, 2018

Yes, it is possible. Discuss with counsel about bringing a lawsuit against the homeowner.

1 Answer | Asked in Personal Injury and Insurance Bad Faith for Florida on
Q: My nephew purchased a motorcycle and recently was in a crash with it .

My nephew was riding cycle home and a deer jumped out in front of him and he stuck it and recieved so severe injuries from the crash. The insurance company and tag office registered the vehicle.Now the insurance company said the cycle came up stolen and refused to pay for crash he now has... View More

Drew Bruner
PREMIUM
Drew Bruner
answered on May 25, 2018

It sounds like your son received some very serious injuries as a result of this unfortunate accident. Although it may be difficult to recover damages from an insurance carrier in this specific fact set, it is important to contact an attorney whenever a carrier has decided to void coverage (in this... View More

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: What's the penalty for filing a false insurance claim (for a car accident) in Florida?
Alex McClure
Alex McClure
answered on Apr 12, 2018

This is a question more appropriately posed in the criminal law section.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Am I able to appeal an arbitration award? No one will answer my question from the insurance company.
Terrence H Thorgaard
Terrence H Thorgaard
answered on Apr 6, 2018

Look at your arbitration agreement or other document calling for arbitration. And then run it by an attorney.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: How long is it supposed to take an auto insurer to review your claim after an accident? It has been a month.
Christian K. Lassen
PREMIUM
Christian K. Lassen
answered on Apr 2, 2018

You didn't post whether your company or other driver's company

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Florida on
Q: Paid insurance down $3700 then canceled. Financing want $1300 more. Broker won't refund.

Agent won't communicate with me because I cancelled.

Andy Wayne Williamson
Andy Wayne Williamson
answered on Feb 22, 2018

There is not enough facts to give any real answer. You need to consult with an attorney in your area to see what can be done in this case. The first step will be for the attorney to review the paperwork you signed to determine what effect the cancellation has on the contract. Typically they must... View More

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Florida on
Q: My old car (No collision Ins.) was badly damaged by another driver, I can document every penny I spent on that car,

Can I recoup recent maintenance expenses? I would prefer my car be repaired rather than totaled. (Florida)

Terrence H Thorgaard
Terrence H Thorgaard
answered on Feb 21, 2018

Did you make a claim with the other driver's insurance company? Normally, they will pay no more than the "total" value of your car (what is meant by a car being totaled). So if your car's total value is paid, there would be no more due you for what you had paid in maintenance.

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2 Answers | Asked in Car Accidents, Insurance Bad Faith, Libel & Slander and Consumer Law for Florida on
Q: My ex girlfriend who only co-signed is claiming she can just take my car for free after I put 25k in payments I can not

I have been paying 360 a month for 3 years and 12k down payment she has not put a dime into this car. Can she just come with police and take it or is there anything I can do from preventing this.she does not deserve a free car

Terrence H Thorgaard
Terrence H Thorgaard
answered on Jan 12, 2018

Not unless her name is on the title.

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Consumer Law for Florida on
Q: I have car insurance and was driving for Uber until I’ve been told I need commercial insurance. Uber insures my car for

100.000 when app is on and 1 million when someone is in car. The only time I use my insurance driving home. Why would I need to be insurance commercial. And what would happen if I did drive as is

Terrence H Thorgaard
Terrence H Thorgaard
answered on Nov 6, 2017

The short answer is that you need commercial coverage if Uber requires it.

1 Answer | Asked in Contracts, Car Accidents and Insurance Bad Faith for Florida on
Q: Can I sue an insurance company for lack of payment?

Someone crashed into me back in June. The person's insurance company accepted the fault. They took forever to mail the check to my lien holder, and when they finally did the check came back as NSF. I've been contacting both my lien holder and the person's insurance company and the... View More

Andy Wayne Williamson
Andy Wayne Williamson
answered on Oct 26, 2017

You can only sue the owner and driver of the vehicle. You do. It have a right or Legal ability to sue the insurance company. If you are saying that an insurance company issued a check which returned for insufficient funds you should contact the Florida Insurance commissioners office. That Office... View More

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Florida on
Q: Who is responsible for towing charges following an accident in State of Florida? If at fault driver has no insurance?

The owner of the vehicle had insurance PIP coverage. The police called the wrecker and had car towed to a place they contract with and owners insurance did not pay bill and did not send notice or letter to owner. Owner when to renew license and told lien from accident had to be paid. They... View More

Andy Wayne Williamson
Andy Wayne Williamson
answered on Oct 16, 2017

typically you are responsible for your own towing. if the at fault driver has no insurance at all if am hoping have uninsured motorist coverage, if not you may be getting the bill on this one yourself. I suggest that you consult with a personal injury attorney in your area. While you may not... View More

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: What if an insurance agent lied to me and said I couldn't sue in court in order to get me to accept a settlement? Does

that make it void?

Terrence H Thorgaard
Terrence H Thorgaard
answered on Sep 20, 2017

Probably not. You should have consulted with an attorney of your own.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: What are some illegal reasons an insurance company might deny coverage?
Ellaretha Coleman
PREMIUM
Ellaretha Coleman
answered on Sep 17, 2017

Reasons an insurance company may deny an insurance claim are too numerous to name. However, some common reasons are that the damages don't meet the deductible, the damages are not covered under the policy, and the insured has misrepresented material facts in the application or presentation of... View More

1 Answer | Asked in Car Accidents, Consumer Law and Insurance Bad Faith for Florida on
Q: 8 years ago my son have a car accident . he was not on my policy so the insurance co. cancel my insurance

and send me a check for 2600. i not deposit and now different companies try to make me exept a new check.feel me something not wright, because he don't pay the car what is totally wicked. the insurance co pushing hard to deposit a check for 7 years in row. what to do?

Andy Wayne Williamson
Andy Wayne Williamson
answered on Aug 15, 2017

I suggest that you consult with a personal injury attorney in your area to see if an attorney at the personal injury firm will be willing to assist you in getting this matter resolved.

There is not a way to give you the advice you need via this internet forum.

Good luck.

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Florida on
Q: How do I get the sheriff's department to replace my car?

I was in an accident a few weeks ago with a Jacksonville sheriff. My brand new car was totaled. The officer was listed as the at-fault driver, so I assumed it would just be a matter of my insurance company contacting their insurance company, and my car would be replaced. Guess I was naive. My... View More

Andy Wayne Williamson
Andy Wayne Williamson
answered on Aug 9, 2017

It may not be fair. But the facts you state appear to be correct.

I suggest that you hire a personal injury attorney as they might help you process the claim and evaluate as well.

Good luck.

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Florida on
Q: Do insurance companies have a time limit to pay damages?

My brother-in-law got hit in the head while visiting a WC in a restaurant in Florida. He was knocked out. This occured late 2014, the insurance company is stalling and even though he has pictures of the fallen tiles and the reports from the accident as well as reports from physio and doctors. He... View More

Andy Wayne Williamson
Andy Wayne Williamson
answered on Aug 4, 2017

If I understand your brother in law's situation correctly, he has a "local Lawer" but not a Florida Lawyer.

I suggest strongly that your brother in law speak with a Florida Personal injury attorney who handles workers compensation cases, as soon as possible.

I attach...
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