Rubino Findley, PLLC is proud to announce that attorney Joseph Mannino has joined our Firm as an Of Counsel attorney.

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When Can You Sue an Insurance Company?

When Can You Sue an Insurance Company?

Insurance companies have a degree of power over your claim. After all, they are the ones who write the check, and they are in the position to make a settlement offer. However, they do not have an unlimited amount of authority to do whatever they want. In certain limited instances, you may even sue them if their conduct is in bad faith.

An insurance company has a legal obligation to pay a legitimate claim and investigate that claim within a reasonable time period. One tactic that insurance companies like to use is inventing documentation requirements that are not a part of the policy and are not necessary for the claim. They may deny a claim without a valid reason or delay payment far beyond any reasonable period. There is a fine line between the usual tricks that an insurance company uses and bad faith.

Insurance Companies Cross a Line Sometimes

Insurance companies may be difficult, or they may make mistakes. These are not grounds for a lawsuit. Where they cross the line is when they misrepresent contract language or terms or unreasonably delay without reason. Juries can take a very harsh view of this type of conduct, and they assess a variety of damages in an insurance bad faith claim. You may even be able to get emotional distress and punitive damages against the insurance company.

Florida has laws to protect consumers from illegal insurance practices. If the insurance company goes beyond just being difficult, they may have violated these laws.

Call a Boca Raton Florida Personal Injury Lawyer

If you have been injured in an accident, the attorneys at Rubino Findley will hold the insurance company’s feet to the fire when you file a claim. We will not let them push you around. Call us today at (561) 781-8250 or contact us online to schedule your free initial consultation.

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