Insurance Coverage and Personal Injury Lawsuits
Insurance coverage is an important subject for victims of accidents resulting in bodily injury or property damage. The days are almost over when injury victims sought a jury verdict directly against the person who caused the accident. Nowadays, people have insurance for almost everything, and the insurance company provides their defense.
The source of financial compensation for an injury victim is almost always going to involve at least one insurance company — and will often involve more than one company and more than one insurance coverage policy.
Consider whether your attorney understands the detailed workings of insurance coverage issues — and how to find all possible avenues of financial compensation.
Broward County, Florida: Experienced Insurance Dispute Attorney
I devote much of my time as a personal injury lawyer to questions of insurance coverage. Investigating insurance coverage and finding sources of compensation can make all the difference to my clients, especially those with serious injuries requiring costly medical care and time off work.
Insurance coverage issues I regularly face include:
- Uninsured Motorist Coverage: Even if you believe you did not purchase UIM coverage, Florida law may require your insurance company to provide UIM coverage if the company failed to meet certain legal requirements.
- Insurance Coverage Exclusion: Oftentimes, an insurance company will try to enforce a specific exclusion in the policy to deny a claim. For example, many homeowners' insurance policies exclude damage caused by mold, wet rot or dry rot. If someone is injured after slipping on a wet floor, and the floor is wet because of mold damage, the insurance company will attempt to deny the claim. I spend a lot of time thoroughly reviewing the relevant insurance policies to make sure my clients' claims are not being improperly denied.
- Improper Insurance Policy Cancellations: In some cases, the insurance company will refuse to pay on a claim because the policy was cancelled before the incident occurred. The company may claim the policy was cancelled due to nonpayment or because the policyholder misrepresented important information on the application. If the insurance company's reason for cancelling the policy is invalid, the policy must be honored.
Contact My Office to Schedule a Free Consultation
I am available to answers questions about insurance coverage issues — whether with regard to homeowners insurance, renters insurance, car insurance or umbrella insurance policies.
To schedule a free and confidential initial consultation, call toll free (866) 497-5249 or e-mail my office.
