Florida Insurance Legal Questions

There are too many missing facts to even begin to address such an issue. You may well have to hire another lawyer, but with a retainer and payment, to review what you have already done and help you sort this out. It is very confusing that you would beexposed to the lawyers costs and fees for an appeal while you also claim you have "won" in court. If you have further questions, feel free to call out offices at 1-800-922-6442 for a FREE consultation.... Read More

No idea because the question is way to vague. I would start with contacting your insurance company and find out status of the claim. It sounds like there was a coverage or claim denial. Should you have any further questions, please fee free to contact our office 1-800-922-6442 for a FREE initial consultation.... Read More

Depending on the type of deductible, its possible. You should simply sit downwith a local attorney of your choice and discuss this issuein detail. If you have any further questions or concerns, you can always contact our office at 1-800-922-6442 for a FREE consultation to see if we can assist you further.... Read More

Other than perhaps a notice issue, likely no. Typically, it is your responsibilty to make sure the credit card information for such a payment arrangement is kept up to date not the insurance carriers, so that would be the starting point, unfortuately. If you have further questions, please feel free to contact our office at 1-800-922-6442 for a FREE consultation.... Read More

If its a third party claim (i.e. the at fault party) you can refuse to settle and simply pursue a legal action against the at fault driver for the damages. Problem is this is often counter productive cost wise which give a LOT of leverage to the at fault insurer to squeeze you on such settlement. If you have any questions or concerns, please call our office at 1-800-922-6442 for a FREE consultation.... Read More

Could, but good luck with him remembering any details. You made a poor choice dealing with someone to avoid an insurance claim and paying in cash with no documentation. While you can tell your insurance carrier of the deal and yourpayment, they may still pay out and hold you responsible since you have no real evidence of the payment.... Read More

If you were injured in the accident, this is a classic reason to hire a personal injury lawyer ASAP. Even though many do not handle property damage claims, they do provide guidance to help address such issues so you know what to do. If you have further questions, please call our office at 1-800-922-6442 for a FREE consultation.... Read More

This is a decision that cannot be address on the cheap through an internet inquiry. You REALLY need to have this address with a lawyer you retain to address your professional and business issues. If you get pennywise and pound foolish with an insurance decision, you could find yourself ina bad situation that could have been easily avoided.... Read More

YOur insurance contract covers what it covers and pays the amount defined by its terms, as a starting point. If you have a $500 coverage for tree removal, you dont get money for damages that were not caused, nor does the neighbor. Only way to be sure though would be to hire a lawyer at an hourly rate to review your insurance policy see if there is something you missed.... Read More

To see if the attorney who contacted you is actually in fact a practicing attorney, check this website:  http://www.floridabar.org/wps/portal/flbar/home/!ut/p/a1/hdDLDoIwEAXQX8EfYIqC1GVdmEDiY2GgdmOGdxUotkR-X0hcKsxuknNzJwMCOIgW37LEXqoW62kX2_tx5zDHpSSkLjuQIPKjwL86a3J2RnAbAfkzjCzlYxBzhJ28L5ipCBdL9iCyl1KXYbqXtcmGliB0XuQ613alTA98GAY7kW1pp6r5pUyOOq061NgY4EWttMzQSlBbmDXSmPFfBrqGk4f3jKlhqw-6U121/dl5/d5/L2dBISEvZ0FBIS9nQSEh/ About mid-way down the page on the right hand side you will see a "Find a Lawyer" box where you can type in the name of the attorney who contacted you to see if they are licensed.   This may help you in your decision making process.   Best of luck! NOTE: This response is general in nature and should not be considered legal advice.  No attorney client relationship is formed or exists.... Read More

This needs to be reviewed by a lawyer to answer the question properly as there ra emnay many issues and questions to be resolved. For example, how do you know they were"over charging", why did you not notice this over ten years, etc...If you have other questions, please fee free to contact our office at 1-800-922-6442 for a FREE consultation. ... Read More

  first please excuse the typing and word usage as I using speech to text technology. During the initial underwriting phase (many companies will issue a 30-day binder or something similar) if they find undisclosed or additional negative information which affects their rating formula, they can raise your premium and depending on what they find may even decline the policy and refund your premium.  I believe that if they raise the premium the company must also offer you the opportunity for a refund but I am not certain. Depending on the company,  this may work out well for you if you later need to make a claim under the policy. After you make a claim the first thing many substandard companies do is look for excuses not to pay. They look for any misstatements or omissions in your application and use that as an excuse to deny coverage. We see this type of denial all the time. Under florida law, a material misrepresentation made by an applicant  when applying for insurance, which if known to the company would affect their premium charge or decision to accept the coverage can be grounds to deny a claim made on the the policy. I recommend you consult your insurance agent and discuss whether the premium increase is appropriate and your other options. ... Read More

This sounds like a very bad idea for many reasons. Merely having the insurance in your name will not create personal liability for you. However, if the vehicle itself is registered in your name (individually, or with someone else) you will be liable for injuries caused by any permissive driver of the car. That liability can exceed whatever bodily injury liability coverage you purchase on the vehicle (if you even purchase liability coverage). Further, if you made a misrepresentation to the insurance company as to who would be driving the vehicle and/or where it will be garaged, they can deny coverage for material misrepresentation. So, if the intent is to get insurance so an uninsurable person can get the car registered, you are wasting your time and possibly committing fraud as well.  Also, if the car is not in your name, but it can be shown you had control over the car and for example, let a person you know or have reason to know will drive drunk, you could face personal liability.  This reply should not be considered a formal legal opinion of your case / inquiry. At this time I may not have enough information to give you a complete answer to your question and  there may be more to your issue(s) then I have set out in my brief reply. If you additional questions or information, I may be able to provide additional guidance.  Jonathan Groff is an AV preeminent (5 out of 5) rated Personal Injury lawyer, with a principal office in South Miami, but representing clients throughout Florida. He can be reached at, Office: (305) 661-3633 / (800) 549-1942; Mobile (24 hours a day): (305) 302-8807; Email: Jgroff@kgdfloridalaw.com; Website: www.kgdfloridalaw.com  ... Read More

Typically yes, but only to the extent they were negligent in thier "bailment" duties. If someone jumped a locked and gated fenced in area, etc....then they are no more liable than you would be if some broke into your garage anddid the same thing, as a general rule. Hopefully, you have comprehensive insurance coverage. ... Read More

Negotiation of your contractual obligations for medical bills is typically a courtesy not an obligation by the PI lawyer in most instances. Trying to hold a lawyers attorney's fees hostage unless they provide other services at thier expense is simply wrong, end of that discussion. The part about "us coming to an agreement" I assume you mean, someone OTHER than you, as you could easily agree to pay the hospital bills for the service they provided. If what you meant was, FORCE the hopsital to agree with your position and take less than they will agree to for the services they already provided, well......now you are expectingsomething that no lawyer can typcally deliver. There is no "dual role" and they are not your "escrow agent" like a real estate deal. If there is a dispute over entitlement to the money, usually associated with some form of lien claim, the proper procedure according to the Florida Bar is to interplead the money, allowing you and the hospital to fight over the entititlement in court. It is not the lawyers job to resolve who is right or wrong or determine who is owed the money, if the disputing parties wont agree, but only to protect both interests adequately. ... Read More

You may want to contact the Florida Bar to help you on this. As you describe this, iyts very very rare, but you could be dealing a lawyer that is lying to you about using settlement money to pay medical bills and keeping the money unethically. I have seen this happen on one occassion in the past where the lawyer would put $5,000.00 medical bill payment on settlement statement, then negotiate the bills to $2,500.00 and keep the extra money himself. As patient expected balance for doctor be zero, and balance with doctor IS zero, noone was the wiser. ... Read More

Based upon your irresponsible driving, you may find yourself simply uninsurable. As there is no legal right to own and operate a car on the public roads of Florida, you may find yourself bus bound or driving someone elses car. Good news is, its not permanent and as time passes some of these things will drop off your record for insurance considerations. If you have other questions or concerns, please feel free to contact our office at 1-800-922-6442 for a FREE consultation. ... Read More

When you called the insurance company, you made claim. There would be no other reason to contact them where "they would talk" and "it went away". There may have been no money paid, but a claim was likely opened nonetheless. You typically cant call up an insurance company and expect them to involve themselves in your dispute just because you have one. They would have no interest in doing so for free or to waste thier time for solely for your benefit, unless it would arise out of thier inusrance contract, hence a claim being made against you by another for money from a covered loss. If you have any further questions feel free to call 1-800-922-6442 for a FREE consultation.... Read More