Personal Injury Insurance Dispute Attorney in Brandon
When you purchase an insurance policy, you are entitled to the full benefits. You should never have to represent yourself alone against an insurance company or accept an unfair settlement offer.
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When Insurance Companies Don't Pay
When you purchase an insurance policy, you are entitled to the full benefits under that policy. However, insurance companies often attempt to get out of their responsibilities due to a self interest of saving money. If an insurance company refuses to pay your claim, denies payment or offers an insufficient amount, you should hire a lawyer to enforce the insurance company's obligations. Business owners, homeowners and vehicle owners can often encounter these disputes.
Why You Need an Attorney
Insurance companies have their own lawyers to deal with disputes on hand to represent their interests. Hiring an attorney can let you even the playing field. Insurance companies anticipate disputes due to the nature of the business and are always prepared. Fighting insurance companies can take time and be very costly. The cost alone in these types of cases could run into the 4 to 6 figure range, including insurance experts to provide coverage opinions and deposition testimony.
Common Types of Insurance Disputes
Even when represented by a public adjuster or an attorney, it is common for there to be some type of dispute for the value of the claim. If your insurer is denying your claim, demanding unreasonable hoops for you to jump through or is dragging their feet in your case, you should obtain the help of an experienced insurance dispute attorney. A seasoned and experienced insurance lawyer will be familiar with the technical language of the insurance agreement.
We Level the Playing Field
Insurance disputes can involve homeowners insurance claims, auto insurance claims, business insurance claims, and health insurance coverage disputes. Our attorneys understand the tactics insurance companies use to deny or undervalue claims and know how to counter them effectively to ensure you receive the full benefits you paid for.
Frequently Asked Questions
Can the insurance company deny my claim for any reason? No. Insurance companies must have valid, contract-based reasons for denying claims. What is "bad faith" insurance? When an insurer unreasonably denies or delays a valid claim, it may be acting in bad faith, allowing you to seek additional damages. How long do I have to dispute a denial? Statutes of limitations vary. Contact us immediately to protect your rights.
Contact Curry Law Group Today
If you or a loved one has found themselves in an insurance dispute, please contact The Curry Law Group today. If you are having a tough time getting your claim paid by your insurance company, it isn't too late to call an attorney. Call 813-653-2500.
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Key Legal Terms
Important Personal Injury Terms
Understanding these terms can help you make informed decisions about your case.
Assumption of Risk
A defense arguing the injured person voluntarily accepted the known dangers of an activity. In Florida, it can reduce or bar recovery depending on the type of risk assumed.
Read full definitionBad Faith Insurance
An insurer's unreasonable refusal to settle or pay a valid claim. In Florida, a bad faith claim can expose the insurer to damages beyond the policy limits.
Read full definitionBreach of Duty
A failure to meet the standard of care that a reasonably prudent person would exercise under similar circumstances. Breach of duty is a required element of any negligence claim.
Read full definitionBurden of Proof
The obligation of a party to prove a disputed fact. In most personal injury cases, the injured person bears the burden of proving each element of their claim by a preponderance of the evidence.
Read full definitionCausation
The link between a defendant's conduct and the plaintiff's injury. A plaintiff must prove both actual cause (but-for) and proximate cause to recover damages.
Read full definitionCausation Letter
A doctor's written opinion that your injury was caused by the accident. Insurance companies often require this note to connect your pain to the incident before they will pay.
Read full definitionStart Consultation
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Curry Law Group — Personal Injury Series
Watch our attorneys break down real personal injury scenarios, evidence tips, and what to expect after an accident in Hillsborough County.
Resources & Insights
Related Blogs and Articles
What Should You Do if an Insurance Company Denies Your Claim?
An insurance claim denial does not always end the matter. Begin by obtaining the denial in writing, reviewing the policy and endorsements, identifying the insurer's stated reasons, preserving all evidence, and responding before any contractual or statutory deadline expires.
Read MoreCan You Sue an Insurance Company for Acting in Bad Faith?
You may be able to sue an insurance company for bad faith when the insurer fails to handle a claim fairly and honestly and with due regard for the insured's interests. However, not every denied, delayed, or underpaid claim constitutes bad faith. Florida law states that mere negligence alone is insufficient.
Read MoreHow Long Does an Insurance Dispute Take to Resolve?
An insurance dispute may resolve in several weeks, several months, or through litigation lasting a year or longer. The timeline depends on the type of policy, complexity of the loss, amount in dispute, quality of the evidence, and whether the parties pursue mediation, appraisal, arbitration, or litigation.
Read MoreQuick Resources
Forms & Common Questions
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Personal Injury Questionnaire
Complete this before your consultation if you've been injured in an accident.
Top-Asked Questions
In Florida, you typically have four years from the date of injury to file a personal injury lawsuit. However, this deadline (called the statute of limitations) can vary depending on the type of injury and circumstances. It's important to act quickly because evidence can disappear and witness memories fade. We recommend contacting an attorney as soon as possible after an injury.
You may recover damages for medical expenses (past and future), lost wages, pain and suffering, emotional distress, disability, scarring, and loss of enjoyment of life. In cases involving gross negligence or intentional acts, you might also be eligible for punitive damages. The specific damages available depend on your injury and the circumstances of your case.
Most personal injury cases settle before trial. During settlement negotiations, we work with insurance companies to reach a fair agreement for your injuries and losses. However, if a fair settlement cannot be reached, we're fully prepared to take your case to trial. We'll never pressure you to accept a settlement you're not comfortable with.
The value of your case depends on many factors: the severity of your injuries, medical expenses, lost wages, permanent disability, pain and suffering, and the strength of liability evidence. We provide a thorough case evaluation during your consultation. Insurance companies often undervalue claims—that's why having an experienced attorney is crucial.
Florida uses "comparative negligence" rules. Even if you're partially at fault, you may still recover damages—reduced by your percentage of fault. For example, if you're 20% at fault and damages are $100,000, you'd recover $80,000. However, if you're found to be more than 50% at fault, you cannot recover any damages.
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