When does someone have the grounds to sue their insurer?

Getting in a car crash is never ideal. One wrong move by a negligent driver could change victims’ lives forever. Sadly, victims don’t always get the benefit of the doubt from their insurance companies.

Florida is one of the few states that abide by “no-fault” crash compensation laws. That means people who get in a crash often have to file a claim with their own insurance company. However, insurers don’t always handle these situations to the best of their ability, even if the policyholder isn’t the one at fault.

When can I file a claim against my insurance company?

Insurance companies have a legal duty of care to their policyholders. Because of this, they must abide by the terms in their policy agreement and stick to those promises. While the reasons for suing an insurance company often vary, these are a few instances where doing so may be a viable option:

  • They delay their investigation into the victim’s claim.
  • They deny a claim and giving little to no explanation for their decision.
  • They deny a claim based on an application misstatement after a period of contestability.
  • They fail to approve or deny a claim within a reasonable timeframe.

Never fight an insurer alone

There’s often a lot people have to deal with in the aftermath of a collision. If a person’s insurance company violates a duty of care, it can create severe hardship for crash victims. Luckily, victims can take on their insurer with a trusted legal partner.