West Palm Beach Insurance Coverage Lawyer
Insurance contracts are complex, lengthy and highly technical legal documents. It is reasonable to expect insurance companies to investigate a claim before paying benefits, and it is not unreasonable to expect that sometimes a good faith dispute over coverage may arise. Not all such disputes are in good faith, though, as insurance companies have been known to act unreasonably or in bad faith at times. Whether your company is embroiled in a good faith coverage dispute with your insurer, or you think the insurer is acting unreasonably, the West Palm Beach insurance coverage lawyers at Pincus & Currier LLP can provide practical advice, legal assistance and professional representation to help you resolve your dispute successfully. Learn more about insurance coverage disputes below, and contact Pincus & Currier at our office in West Palm Beach for help in Palm Beach, Broward and Miami-Dade counties, or throughout Florida statewide.
Common Types of Insurance Coverage Disputes
Pincus & Currier LLP represents businesses and individuals having insurance coverage disputes regarding both first-party coverage and third-party coverage across many lines of insurance, including:
- Commercial General Liability
- Property and Casualty
- Bodily Injury
- Uninsured Motorist
Our lawyers handle first party claims involving your insurer as well as third-party disputes where the other party’s insurer refuses your claim, or if you are sued by a third-party and your own insurer refuses to settle or defend the claim against you. Apart from outright denying a claim, coverage disputes may revolve around central issues such as liability of a party or the proper amount of damages. Subrogation issues may also come into play where more than one party is involved, and each is disclaiming liability or arguing over the proper allocation of liability and damages.
How Our West Palm Beach Insurance Coverage Attorneys can Help
A threshold question that must often be addressed when a claim is filed is, does coverage exist? Despite the highly technical and complicated nature of insurance contracts, our skilled and knowledgeable attorneys will undertake a careful review of the policy as well as the facts underlying the claim to answer the following critical questions:
- Is the policyholder in good standing?
- Did the insured comply with required terms of the policy, such as providing proof of loss and a timely notice of the claim?
- Does the policy coverage purchased apply to the claim in question?
When these matters are disputed by the insurance company, we litigate the issues in court as necessary, including seeking a declaratory judgment of coverage.
Skilled and Knowledgeable Florida Bad Faith Insurance Lawyers
When insurance companies dispute these matters as a way to avoid their contractual liability, they may be guilty of bad faith insurance practices. In these cases, we seek the full amount of damages against the insurer for the harm they have caused. Uncovering an improper motive on the part of the insurance company can be challenging; examples of actions that may show bad faith include:
- Making an unreasonably low (“lowball”) settlement offer
- Causing unreasonable delay in processing a claim
- Failing to investigate a claim
- Rescission – canceling or rescinding a policy for the purpose of evading liability
- Refusing to settle despite clear liability
When a carrier refuses a reasonable settlement offer or demand that is within the policy limits, forcing the insured to trial, and then loses at trial, the carrier may be exposed to extra-contractual liability and forced to pay any verdict including the excess amount over the policy limits.
Comprehensive Representation in West Palm Beach Insurance Coverage Disputes
Count on Pincus & Currier LLP to provide practical, strategic legal advice and strong, effective representation throughout the course of your insurance coverage dispute. Our attorneys are there for you at every step, including:
- Claim Investigation
- Examination Under Oath (EUO)
For help with an insurance coverage dispute in Palm Beach, Broward or Miami-Dade County or statewide in Florida, call Pincus & Currier LLP at 561-868-1340, or contact us online to schedule a consultation with a knowledgeable and experienced insurance lawyer.