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278 legal [2, *]questions have been posted about insurance by real users in Florida. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include fidelity and surety, reinsurance, and automobile insurance. All topics and other states can be accessed in the dropdowns below.
Florida Insurance Questions & Legal Answers
Do you have any Florida Insurance questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 278 previously answered Florida Insurance questions.

Recent Legal Answers

need a lawyer to interpret a life insurance policy I have had since 2009

Answered 6 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You simply need to use the find a lawyer feature to locate a lawyer of your choice. Be prepared to pay an hourly rate for that review. 
You simply need to use the find a lawyer feature to locate a lawyer of your choice. Be prepared to pay an hourly rate for that review. 

Who handles Insurance Denials in Mediation?

Answered 11 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Any civil trial or insurance litigaiton lawyer can. No one will handle such cases on a contingent fee typically because of the value of the damages and they took away the obligation for the insurance company to pay for the legal fees if they lose. If you're prepared to pay "out of pocket" to hire a lawyer you will have a better chance to retain one. ... Read Answer
Any civil trial or insurance litigaiton lawyer can. No one will handle such cases on a contingent fee typically because of the value of the damages... Read Answer

One of my clients had an auto accident and the claimant was paid the entire amount of bodily injury on the policy.

Answered a year ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You will need to address this with your insuance carrier or personal lawyer as policies vary. As a general rule - they are occurance policies and the coverage available when the crash occurs is what is availabe, canceling or increasing afterwards should not affect the crash coverage. 
You will need to address this with your insuance carrier or personal lawyer as policies vary. As a general rule - they are occurance policies and the... Read Answer

Can auto insurance add a driver to your policey with out your concent? If they can how long do they have to notify you?

Answered a year and 3 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Yes. He likely has an obligation, as do you, to disclose and pay premiums for all resident relatives, as they may have a right to claim under the others policy and equally have a higher propensity to drive or be in each others vehicles. 
Yes. He likely has an obligation, as do you, to disclose and pay premiums for all resident relatives, as they may have a right to claim under the... Read Answer

Should I obtain a lawyer?

Answered a year and 4 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Sure, but it might cost you more than the cost of the repairs to do so.  Equally, if a medical condition occurred - it might eliminate any claim of "negligence" leaving you to pay for the damages if you allowed your insurance lapse for some reason.
Sure, but it might cost you more than the cost of the repairs to do so.  Equally, if a medical condition occurred - it might eliminate any claim... Read Answer

Looking for a free lawyer

Answered a year and 4 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Unfortunately, that simply isn't how retaining a lawyer works. Even if it were permissible for a lawyer to take 80% of the damages, that presumes that a mount would equal the value of the legal services, which is questionable given the cost of most garage door projects. To be candid, in many instances, its actually less expensive for the consumer to hire a lawyer on paid retainer or fee than it is to have the lawyer take the common 40% + costs for litigation, if the cost of the project was substantial, $20,000.00+. Bear in mind that lawyers do not litigate from a position of anger or frusration with the contractor, so they typically have little interesting in prosecuting  claims with an emotional motivator or where the client's motivation is to "go after" someone.. Your best bet is to retain a local construction or consumer lawyer and have them review the situation and your contract for options. ... Read Answer
Unfortunately, that simply isn't how retaining a lawyer works. Even if it were permissible for a lawyer to take 80% of the damages, that presumes... Read Answer

Can Workmans Comp stop you from seeing occupational therapy notes?

Answered a year and 5 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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You will have to ask a WC lawyer  - but its common that psych type records are NOT shared with patients for clinical reasons.
You will have to ask a WC lawyer  - but its common that psych type records are NOT shared with patients for clinical reasons.

Rebar 2 inches above parking stop damaged my car. Any Recourse?

Answered a year and 5 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Possibly. Its either and insurance claim or a small claims lawsuit against the property owner. With the rebar claimed to be 2 inches over the stop - you might find some difficulty if the property owner claims YOU were negligent by pulling your car over the stop - so insurance claim is likely your best bet. ... Read Answer
Possibly. Its either and insurance claim or a small claims lawsuit against the property owner. With the rebar claimed to be 2 inches over the stop -... Read Answer

Who is responsible for damages if wind blows a trailer into someone else's trailer in a storage lot?

Answered a year and 7 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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This is likely subject to an "act of God or nature" defense and you have no liability and owe nothing. HOwver, if he can show that you negliently secured your trailer and had you done so properly your trailer would not have moved, he might have a legal argument for some liability.
This is likely subject to an "act of God or nature" defense and you have no liability and owe nothing. HOwver, if he can show that you negliently... Read Answer

Can I get more money than my auto policy UMI coverage?

Answered a year and 7 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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No idea what you mean by simply saying you deserve "the max" and therefore its impossible to properly address your question. That said, you should have a personal injury lawyer handle such a case for a variety of reasons starting with answering your questions and extending to helping identify any issues like liens you might have on your settlement for health insurance, medicare, medicaid, public assistance payments, etc or trying to find the other driver.  This sounds like your insurance carrier is tendering its limits and then intends to drop you as an insured. ... Read Answer
No idea what you mean by simply saying you deserve "the max" and therefore its impossible to properly address your question. That said, you should... Read Answer

I was driving down a dark street during a hurricane and ran into a powerline!

Answered a year and 7 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Its possible either way - all depends on the specific details and the facts. You will need to retain a lawyer to provide you a proper assessement and go from there. 
Its possible either way - all depends on the specific details and the facts. You will need to retain a lawyer to provide you a proper assessement and... Read Answer

What documents/forms do I need to submit to the courthouse.

Answered a year and 9 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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This is one the primary reasons to retain lawyers in business litigation cases. Too many people think that they can handle the legal decision making only to find that what seems like the right decision at the time is later revealed to be the opposite. In many commerical litigation cases such as described here, the litigant failed to realize that all a judgment effectively is - is a court blessed IOU - with the added benefit of being able to TRY to collect the funds using legal process such as garnishment, levy and liens. I emphasize the word TRY as for most small businesses, if the judgment is significant, they will typically simply fold the business or file bankruptcy, or make exhaustive efforts to hide assets, leaving the judgment creditor is a less than optimal position. In some cases is as simple as the judgement debtor abandoning the existing business and then simply starting a different one that is not affected by the judgment. If you truly expect to enforce a judgment you REALLY need to consider retaining a collection law firm to handle that for you as they can help you maximize the ability to actually collect the debt. To your question, you would have to go through the contempt process with the court to have the court compel a response to the "Fact Information Sheet." This is a very technical process that can be very frustrating as many judges have no interest in becoming a collection agency for commerical judgment creditors that refuse to hire thier own lawyers. ... Read Answer
This is one the primary reasons to retain lawyers in business litigation cases. Too many people think that they can handle the legal decision making... Read Answer

Can an employee's boss sue me

Answered a year and 9 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Possible? Sure, if they claim that you were negligent and somehow caused the company a loss of revenue due to the employees injury. That seems far fetched from the facts you are describing. I would report this to your homeowners insurer and see if they will cover it or at least provide a defense lawyer to to respond. Otherwise, you will likely need to spend some money on a civil trial lawyer to address this issue directly. There seems to be something missing here that a contractor is just randomly demanding $15,000.00 + medical bills for an "employee" that doesn't seem to have done much damage wise.... Read Answer
Possible? Sure, if they claim that you were negligent and somehow caused the company a loss of revenue due to the employees injury. That seems far... Read Answer

can i sue association for stolen uninsured car.

Answered a year and 9 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Legally? Sure, you can try. Practically? Not unless you can prove they owed you a legal duty to protect your car. The big mistake here is not insuring the car. You will need to spend money out of pocket, most likely, to retain a lawyer to review this and see what if anything can be done. ... Read Answer
Legally? Sure, you can try. Practically? Not unless you can prove they owed you a legal duty to protect your car. The big mistake here is not... Read Answer
They are most likely after the homeowner insurance policy. However, if all of you are insured under the same policy thete is no cross liability and insurance won't cover the claim. However, if the injury was caused by your son to a third party non resident , then the insurance will cover the claim. Call counsel here in Florida for more specific advice. ... Read Answer
They are most likely after the homeowner insurance policy. However, if all of you are insured under the same policy thete is no cross liability and... Read Answer

How can I sue a bodyshop for not fixing my car properly?

Answered a year and 10 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
If you do not have injuries, it will be very challenging to find counsel to accept your auto accident case. 
If you do not have injuries, it will be very challenging to find counsel to accept your auto accident case. 

Financial question

Answered a year and 11 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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This is an issue to address with the Board Counsel. Otherwise you will likely have to retain an association lawyer at your expense to assist you in securing an audit of the accounting records. 
This is an issue to address with the Board Counsel. Otherwise you will likely have to retain an association lawyer at your expense to assist you in... Read Answer

Need advise after a fender bender accident and being sued. I did not have bodily injure on my policy regrettably.

Answered a year and 11 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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YOu will simply need to spend the money out of pocket  on a defense lawyer to address the injury lawsuit regardless of whether you find it valid or legitimate. Obviously some doctors and lawyers involved disagree and that means a jury or judge might also to whatever financial risk exists.... Read Answer
YOu will simply need to spend the money out of pocket  on a defense lawyer to address the injury lawsuit regardless of whether you find it valid... Read Answer

Car accident in Fl my wife was over come by Grief and attempted, a said grief and attempted I said suicide With my car, does the insurance have to pa

Answered a year and 11 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Only way to find out is to make a claim. Generally insurance coverage will not apply to intentional acts such as purposefully crashing a car for any purpose. Hopefully, your wife is doing better and getting the care she needs. 
Only way to find out is to make a claim. Generally insurance coverage will not apply to intentional acts such as purposefully crashing a car for any... Read Answer

If i told the insurance company i wasnt working during my accident and i was should i drop the case before deposition or try for a settlement?

Answered a year and 11 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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This is a serious issue for you to address with the lawyer handling your case, not random lawyers on the internet. Generally, anytime you perjure yourself in court, its a bad thing and needs to be addressed directly. 
This is a serious issue for you to address with the lawyer handling your case, not random lawyers on the internet. Generally, anytime you perjure... Read Answer

What kind of response do I need to write for a civil summons

Answered 2 years ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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There is MUCH MUCH more to this as there is no legal basis for a lawsuit based on the facts presented. That said, you will need to retain a civil trial lawyer to determine what is beling alleged vs what actually happened and then appear in court to establish a legal defense.
There is MUCH MUCH more to this as there is no legal basis for a lawsuit based on the facts presented. That said, you will need to retain a civil... Read Answer

How can I go after a check issued by my insurance for the repair of my roof from a lawyers office?

Answered 2 years ago by Pamela M. M. Holcombe (Unclaimed Profile)   |   2 Answers   |  Legal Topics: Insurance
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Unfortunately, this question involves issues relating to the specific terms of the contract for representation that you have with your attorney's office.  In very general terms, it is very typical for attorneys representing clients with insurance claims to have provisions that provide that the check for the settlment proceeds to be sent to the attorneys trust account so that appropriate reconciliation of costs, fees, and allocation of distritrubutions can be made.  Typically this process  requires the funds to have cleared trust before any distribution can be made and for bookkeeper or other staff to update the disbursements for costs, billing records (if not pure continegency), and for a reconciliation to be prepared.  These "back of house" administrative tasks may require input from several different firm staff members and no attorney here on AVVO can do anything more than guess at what is going on, but it could certainly be some benign admistrative hiccup or holdup.  At this juncture, it would be appropriate for you to follow up directly with attorneys office as to the status of the matter.  ... Read Answer
Unfortunately, this question involves issues relating to the specific terms of the contract for representation that you have with your attorney's... Read Answer

my son had permission to borrow our van but then he left and we had no contact with him for several years. Now the van has been impounded several stat

Answered 2 years and 2 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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If the van was titled in your name and you knew your son had it and did nothing to get it back, YES, you are most likely legally liable for what he does with the van. You should have addressed this 4 years ago, and likely reported it stolen, hired a repo agent to recover it, or at least cancelled the tags on the vehicle so it could not have been driven without law enforcement stopping him and seizing the vehicle. You will need to contact the tow yard to address payment of any balance and recvoery of the van or surrendering it to them to pay for the balance. Otherwise, they might sell it and if there is more you owe the could try to have your DL suspended here in Florida for non-payment by statute. ... Read Answer
If the van was titled in your name and you knew your son had it and did nothing to get it back, YES, you are most likely legally liable for what he... Read Answer

Uninsured accident

Answered 2 years and 2 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Very little other than the leverage of simply refusing to pay and saying "sue me." While there is no inherent obligation for you to settle any claim there is equally no obligation on the part of the other party not to sue for whatever damages were caused. THIS is why its critical to hire a lawyer to negotiate with the other party, even though it might cost more than the difference between the estimates. ... Read Answer
Very little other than the leverage of simply refusing to pay and saying "sue me." While there is no inherent obligation for you to settle any claim... Read Answer

how long do you need to keep Engineering Professional and General Liabilty insurance after you close your doors?

Answered 2 years and 2 months ago by Mark Tischhauser, Esq. (Unclaimed Profile)   |   1 Answer   |  Legal Topics: Insurance
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Unless you get a written opinion from a professional liability lawyer otherwise, you would be a fool to not carry professional liability coverage while working in a professional capacity.
Unless you get a written opinion from a professional liability lawyer otherwise, you would be a fool to not carry professional liability coverage... Read Answer