Has the insurance company wrongly denied your claim after an accident in Miami, Florida? If so, contact the Zayed Law Offices Personal Injury Attorneys at (305) 916-6455 for a free consultation. Let our experienced Miami bad faith insurance lawyers help you pursue maximum compensation for all your damages.
Our team has decades of experience helping accident and injury victims get the justice they deserve, including holding insurance companies accountable when their actions are unfair or illegal.
How Zayed Law Offices Personal Injury Attorneys Can Help After Bad Faith Insurance in Miami, FL
After an accident, many victims find themselves in a difficult financial situation due to medical bills and other unexpected expenses. Unfortunately, some insurance companies fail to uphold their end of the bargain and pay a fair settlement. Challenging a large insurance company may seem daunting and overwhelming, but you do not have to go through it alone.
Thankfully, the team at Zayed Law Offices Personal Injury Attorneys is here to help. Our Miami personal injury lawyers have recovered over $100 million in compensation on behalf of our clients, and we are ready to help you, too.
We can help you by:
- Reviewing the details of your original claim
- Researching your insurance contracts and policy details
- Handling all communications with the insurance adjuster
- Using experts to help put a proper value on your claim
- Gathering evidence to prove your case
- Negotiating a full and fair settlement
- Filing a bad faith lawsuit and taking your case to a jury when necessary
If you believe the insurance company has acted in bad faith, contact us today to let us help. Schedule your free consultation with a Miami personal injury attorney who is ready to help you get justice.
What Actions Are Considered “Bad Faith” by Insurance Companies?
When you purchase insurance, you enter into a contract with the insurance company. As part of that contract, you agree to pay regular premiums, and the insurance company agrees to reimburse you for any covered losses. Part of that contract includes an implied duty to act in good faith.
This means that the insurance company must take reasonable steps to investigate all claims. They must also pay all valid claims within a reasonable timeframe. When they fail to act in good faith during a claims investigation or settlement payout, they may be held accountable.
Some common types of behavior that may be considered bad faith include:
- Failure to properly investigate your claim before issuing a denial
- Denying your claim with no valid reason
- Intentionally delaying the processing or payment of your claim
- Ignoring or intentionally delaying communications
- Attempting to settle your claim for an amount grossly less than its actual value
- Changing the terms of your coverage after a claim is filed
- Misrepresenting the details of your coverage
While it can be frustrating when these actions occur once, they are often a pattern of behavior for some companies. Innocent victims like you are the ones who suffer when an insurance company decides to protect its bottom line instead of doing the right thing.
What Types of Damages Are Victims of Bad Faith Insurance Entitled to Recover?
Victims of bad faith insurance are entitled to recover compensation for all their losses, including both their monetary losses and their emotional suffering. Florida law allows these victims to recover both economic damages and non-economic damages.
Some common examples of damages available in these cases include:
- The full amount of your original claim
- Late fees
- Interest charges
- Damage to reputation
- Damage to credit
- Emotional distress
- Mental anguish
- Anxiety
In especially egregious cases, victims may also be entitled to recover punitive damages. In Florida, those who are harmed by insurance bad faith can recover punitive damages only when the insurance company’s practices are frequent enough to be considered a general business practice. Their actions must also be willful, wanton, or malicious according to Florida law.
How Long Do I Have to File a Bad Faith Insurance Lawsuit in Florida?
Bad faith insurance claims in Florida must typically be filed within 5 years. The clock starts when the bad faith behavior took place. Failure to file your claim before the deadline can prevent you from recovering any compensation for your losses. Since there are some special situations that can affect the deadline, you should always seek help from an experienced lawyer as soon as possible.
Contact Our Miami Bad Faith Insurance Lawyers for a Free Consultation
If you have been harmed by insurance bad faith in Miami, FL, contact the experienced team at Zayed Law Offices Personal Injury Attorneys today. You do not have to go through this difficult situation alone.
Contact us today to schedule a free consultation with a Miami bad faith insurance attorney and let us help.
