Florida Insurance Law Help
Russell Law and Patrick Russell, Esq. , a Florida Insurance Lawyer, are available to assist you with your Florida Insurance claim. Should you have a Florida Automobile Insurance claim (auto theft, damage or accident), Florida Business Insurance claim (business property damage, loss, theft, or premises liability lawsuit) or a Florida Homeowner Insurance claim (property damage due to fire, windstorm, or theft), we can help you. The insurance company has a lawyer on staff to advise it every step of the way during the claims process and you should have a lawyer as well. If your Florida insurance claim has been denied or if you do not agree to the amount of loss or damages that the insurance company is giving you, please seek the help of a Florida insurance lawyer immediately.
Florida Insurance Law Defined
Insurance law concerns the contractual relationship between an insurance company and its insured, the policy owner. The insurance policy is a rather lengthy written document that contains all the provisions, conditions, and exclusions for insurance coverage. The insurance policy is a binding and enforceable legal contract between you and the insurance company. Certain losses may be excluded from coverage and certain acts or a failure to act by a policy owner may result in the denial of an insurance claim by the insurance company. Disputes arise when there is a denial of insurance coverage, a cancellation of an insurance policy, or if there is an improper adjustment or valuation of a claim.
Florida Automobile Insurance Coverage
The liability portion of motor vehicle insurance (i.e. 10/20, 100/200) covers bodily injury and/or property damages to other people or vehicles. Personal injury protection (PIP) is no fault insurance that ensures that a portion of all medical bills are paid to those injured in an accident regardless of fault. Comprehensive and collision coverage is optional and it protects your own vehicle from damage, theft, and vandalism. Uninsured motorist coverage is also optional and provides coverage to you in the event that the other party does not have insurance at the time of the accident.
Florida Business Insurance Coverage
Business insurance policies insure businesses against property damages to buildings, business equipment, and inventory due to accidents, storms, and theft. Likewise, commercial insurance policies can cover businesses against liability for negligent acts of the business or its employees. It is highly recommended that you read your entire insurance policy including all terms, conditions, and exclusions so you can understand your insurance coverage before you have a loss. It is never a good idea to find out after a loss that you do not have the proper insurance coverage.
Florida Homeowner Insurance Coverage
Homeowner’s insurance provides insurance coverage for residential homes. Homeowner’s insurance coverage is primarily intended to cover damages to the home and its contents due to flood, fire, windstorm or other covered perils. Homeowner’s insurance can also provide liability insurance coverage to protect you from claims for injuries or damages that may occur while someone is on the premises of your property. Insurance coverage can be denied if you fail to comply with the conditions of the insurance policy, do not make your claim in a timely manner, fail to give the insurance company an opportunity to inspect, or fail to mitigate your damages (make temporary repairs to prevent further damage).
Florida Insurance Lawyer Benefits
Russell Law and Patrick Russell, Esq., a Florida Insurance Lawyer, will help you from start to finish with your Florida insurance claim. If your insurance claim has been denied or if you feel that the insurance company is not paying you in full for your damages, please consult a lawyer immediately. We can level the playing field between you and the insurance company. The insurance company has a lawyer and there is no reason why you should not have a lawyer helping you as well. Russell Law will review your insurance policy and help you organize and present your insurance claim to timely get you the monies you are owed. Do not accept no as an answer from the insurance company and certainly do not tolerate endless delays. Patrick Russell, Esq., will negotiate with the insurance company on your behalf and if you are not satisfied with the results, we can file a lawsuit for breach of contract to determine what you are rightfully owed.