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278 legal 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 - Page 6
Do you have any Florida Insurance questions page 6 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 278 previously answered Florida Insurance questions.
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Recent Legal Answers

large insurance comanpy defrauding customers(myself)into insurance plans that are in compliance with ACA but fined when taxes due.

Answered 8 years and 11 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
This will depend on the nature of the agent you spoke with. If a captive agent could be a claim against the carrier. If a non-captive agent you may have a claim against the individual agent/broker. You need to have this reviewd by a lawyer. 
This will depend on the nature of the agent you spoke with. If a captive agent could be a claim against the carrier. If a non-captive agent you may... Read More

Can I get compansation

Answered 8 years and 11 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Um...no? For what reason would you suggest that any one owes him compensation because of a possible result from him giving blood?
Um...no? For what reason would you suggest that any one owes him compensation because of a possible result from him giving blood?

Hello. I am looking for someone to assist me with a HIPPA violation suit

Answered 8 years and 11 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
This would be potential case - but one you would have to retain a lawyer on an hourly rate/retainer to address. There is no HIPAA independent right of filing a law suit. 
This would be potential case - but one you would have to retain a lawyer on an hourly rate/retainer to address. There is no HIPAA independent right... Read More

do I have a case for lack of payment

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
You have a claim against the landscaping company and maybe the LL - but it may not be financially viable. Thats why renters insurance is so crucial. 
You have a claim against the landscaping company and maybe the LL - but it may not be financially viable. Thats why renters insurance is so... Read More

I am listed on my moms home owners policy as the additional insured to her home but that is not being honored by the Ins. co.

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Likely because you are an inusred as to liability. You have no ownership interest in the property until its titled in your name. 
Likely because you are an inusred as to liability. You have no ownership interest in the property until its titled in your name. 

I have two open insurance policies and the insurance company won't cancel the first one and refund the deposit.

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
That simply makes no sense. Something is missing here unless you still have BOTH cars titled in your name. You can call the Florida Department of Insurance and see if they can help you sort this out. 
That simply makes no sense. Something is missing here unless you still have BOTH cars titled in your name. You can call the Florida Department... Read More

Insurance company automatically taking out monthly premiums but state says i have no insurance

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
No way to answer WHY? You will either need to get to the bottom of this or you will need o hire a lawyer to cut through the red tape to do so. 
No way to answer WHY? You will either need to get to the bottom of this or you will need o hire a lawyer to cut through the red tape to do so. 

I received a denial letter from NFIP

Answered 9 years ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
You will likely need to retain a lawyer to handle this issue and to sort out what needs to be done. MOST appeal remedies including contractual ones have very strict time limits to address. 
You will likely need to retain a lawyer to handle this issue and to sort out what needs to be done. MOST appeal remedies including contractual ones... Read More

No fault accident no injuries...

Answered 9 years and a month ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
was your wife issued a ticket? Are there other witnesses? These and other questions need to be asked
was your wife issued a ticket? Are there other witnesses? These and other questions need to be asked

How long does a primary beneficiary of life insurance have to collect before the secondary beneficiary gets the pay out?

Answered 9 years and a month ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
There is no inherent time frame. This may well be addressed within the terms of the life insurance. You may need to hire an insurance lawyer to address this and possible file suit to see if a court ruling may help. 
There is no inherent time frame. This may well be addressed within the terms of the life insurance. You may need to hire an insurance lawyer to... Read More

Lawsuit for medical services

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Your mother - not you - needs to address this and likely needs to hire a lawyer. If she has no money to do so SHE - not YOU should contact local legal aid to see if they can help. By filing a response in court you may already have done irreparable damage to her situation. 
Your mother - not you - needs to address this and likely needs to hire a lawyer. If she has no money to do so SHE - not YOU should contact local... Read More

A judge recently determined that opposing insurance company and I should go to mediation...

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Nope. But having such little knowledge about the litigation process presumably as a defendant is disconcerting to say the least. Such a question is a CLEAR sign you are in over your head and need to retain a lawyer ASAP. 
Nope. But having such little knowledge about the litigation process presumably as a defendant is disconcerting to say the least. Such a question is a... Read More

Do I have a right to impartial mediation if I have a dispute with my property insurance company?

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Mediation is always expected to be "impartial". HOwever, as its volunatry and non-binding, if you feel its not simply make no agreement. What you can't do is insist the mediator fight your case against the insurance carrier nor agree with your position nor make the insurance carrier act in "good faith" as you determine it. If both parties don't work to settle a casein mediation it simply doesnt settle.... Read More
Mediation is always expected to be "impartial". HOwever, as its volunatry and non-binding, if you feel its not simply make no agreement. What you... Read More

Do I have a case?

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
No idea - this sounds like a blend between a policy limits property damage case and claims that you are doing additional damages yourself. Bottom line is is if the insurance is tapped out and you have no collission coverage - you are stuck unless you think the other driver has money to pay and there was no release signed for the insurance repairs. Generally, if you are forced to sue he other drvier personally, you are not likely to eve see menaingful money. ... Read More
No idea - this sounds like a blend between a policy limits property damage case and claims that you are doing additional damages yourself. Bottom... Read More

my mother passed and i have not recieved any money from her life insurance yet my older brother does get his money monthly

Answered 9 years and 2 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
Take the life Insurance policy together with any and all papers your mother signed to a lawyer's office and have him/her review same..
Take the life Insurance policy together with any and all papers your mother signed to a lawyer's office and have him/her review same..

Neighbor hit our car in the parking lot and totaled it. We do not want Bluebook value. She also has cognitive issues. Car may have been recalled.

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
You are entitled to be paid actual value  - not replacement value not value of the loan amount as per the Fla. Supreme Court. WHAT that value is may be up for debate or argument or negotiation. If there is a controversy - your  best bet is to go to YOUR collision insurance and see what they value the vehicle at as if there is a dispute there its more efficient to sue your insurance carrier for financial reasons.... Read More
You are entitled to be paid actual value  - not replacement value not value of the loan amount as per the Fla. Supreme Court. WHAT that value is... Read More

Is possible that the insurance does not pay a loss?

Answered 9 years and 4 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
Retaining counsel would be your best bet...No fee if no recovery..   Steve
Retaining counsel would be your best bet...No fee if no recovery..   Steve

Can you help me please. I have been trying for 4 1/2 months to get an MRI but the Payer ID: on my Insurance card says I am not a patient of theirs.

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
This is simply a matter of fighting with the beaurocracy of Well Med. Something is amiss however as you say you have a card with an ID so that indicates that you should be in their system. As this is associated with a pain management doctor and heavy doses of opiates is also possible there is some issue related to that circumstance in play and that has to be accounted for also and I am willing to bet that is part of the problem. ... Read More
This is simply a matter of fighting with the beaurocracy of Well Med. Something is amiss however as you say you have a card with an ID so that... Read More

Can I sue my insurance company for bad faith?

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Why in Gods name were YOU in arbitration? Arbitration between insurance carriers is typically of ZERO consequence to your ability to file a lawsuit and have a court determine fault between you and the other side.That said, most of the time payment of a ticket is not admission of guilt as a matter of law. ... Read More
Why in Gods name were YOU in arbitration? Arbitration between insurance carriers is typically of ZERO consequence to your ability to file a lawsuit... Read More

Do I have a case?

Answered 9 years and 5 months ago by attorney Stephen Arnold Black   |   2 Answers   |  Legal Topics: Insurance
You may have a case. Take as many pictures of the damage, and make an appt with an attorney for a free consultation Stephen Black
You may have a case. Take as many pictures of the damage, and make an appt with an attorney for a free consultation Stephen Black

was in a car wreck

Answered 9 years and 6 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Very slim.......but it depends on the carrier and circumstances. 
Very slim.......but it depends on the carrier and circumstances. 

Insurance Company just want to pay 50%

Answered 9 years and 7 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
It sounds like you have a good case. Unrepresented parties are not taken seriously by insurance companies. Hire counsel here in central fla. You wont get charged unless you win the case.   Stephen Black 407 581 2581  
It sounds like you have a good case. Unrepresented parties are not taken seriously by insurance companies. Hire counsel here in central fla. You wont... Read More

Insurance company will not cover fee to fix my car that their client was responsible for the accident

Answered 9 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
If there is a liability or coverage dispute, UAIC has no responsibility for your inconvenience. The remedy is to go to your insurance carrier if you want your property damage resolved faster. There is no door number 3. 
If there is a liability or coverage dispute, UAIC has no responsibility for your inconvenience. The remedy is to go to your insurance carrier if you... Read More

we have an active home warranty insurance policy where we called and on 7/21 when our a/c stopped working. It is now 7/27 and still no air, just BS.

Answered 9 years and 8 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer   |  Legal Topics: Insurance
Typically insurance policies are limited to thier terms. They usually do not cover your comfort or convenience as opposed to repair/replacement of items, but you will need to have a lawyer review the terms to be sure. A 7 day period to wait for parts is by no means unreasonable unless your policy terms or conditions provide otherwise. If you have health conditions, you are certainly free to stay at hotel at your expense or to repair/replace the A/C unti at your expense, if you can't or choose not to wait for the insuance carrier to effect the repairs. ... Read More
Typically insurance policies are limited to thier terms. They usually do not cover your comfort or convenience as opposed to repair/replacement of... Read More

My auto was declared a total loss. Is my insurance company required to pay me the replacement cost or anything at all?

Answered 9 years and 9 months ago by attorney Stephen Arnold Black   |   1 Answer   |  Legal Topics: Insurance
Hire accident counsel asap. He/she will be able to handle the property damage portion of your claim gratis and wont charge unless your bodily injury claim is successful.   Stephen Black 407 581 2581
Hire accident counsel asap. He/she will be able to handle the property damage portion of your claim gratis and wont charge unless your bodily injury... Read More
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